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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 | $99,028 | $57,506+72.2% | $67,221+47.3% | $79,856+24.0% |
| Participation rate | 100.0% | 74.3%+25.7pp | 79.4%+20.6pp | 69.6%+30.4pp |
| Annual return | 4.14% | 18.46%-14.3pp | 20.72%-16.6pp | 31.71%-27.6pp |
| Employer contribution / active EE | $3,990 | $2,961+34.8% | $3,723+7.2% | $2,471+61.5% |
| Participant deferral / active EE | $5,973 | $3,508+70.3% | $4,384+36.3% | $3,741+59.7% |
| Admin fee / account holder | $2,227 | $4,029-44.7% | $5,844-61.9% | $5,306-58.0% |