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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 | $53,482 | $58,523-8.6% | $99,475-46.2% | $72,975-26.7% |
| Participation rate | 100.0% | 64.6%+35.4pp | 73.8%+26.2pp | 69.5%+30.5pp |
| Annual return | 9.95% | 28.51%-18.6pp | 30.72%-20.8pp | 81.01%-71.1pp |
| Employer contribution / active EE | $6,752 | $1,512+346.6% | $2,540+165.8% | $2,440+176.7% |
| Participant deferral / active EE | $4,186 | $2,606+60.6% | $3,619+15.7% | $3,608+16.0% |
| Admin fee / account holder | $1,481 | $4,102-63.9% | $6,252-76.3% | $5,124-71.1% |