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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $88,186 | $73,787+19.5% | $98,716-10.7% | $82,448+7.0% |
| Participation rate | 100.0% | 61.4%+38.6pp | 69.3%+30.7pp | 68.1%+31.9pp |
| Annual return | 12.37% | 18.57%-6.2pp | 31.81%-19.4pp | 41.64%-29.3pp |
| Employer contribution / active EE | $7,085 | $1,511+368.8% | $2,279+210.9% | $2,551+177.7% |
| Participant deferral / active EE | $6,898 | $3,081+123.9% | $4,048+70.4% | $4,139+66.7% |
| Admin fee / account holder | $736 | $6,500-88.7% | $8,703-91.5% | $7,234-89.8% |