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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 | $35,626 | $81,504-56.3% | $102,437-65.2% | $80,959-56.0% |
| Participation rate | 100.0% | 66.9%+33.1pp | 74.5%+25.5pp | 67.7%+32.3pp |
| Annual return | 10.41% | 25.60%-15.2pp | 24.95%-14.5pp | 35.67%-25.3pp |
| Employer contribution / active EE | $5,846 | $3,104+88.4% | $3,871+51.0% | $2,757+112.0% |
| Participant deferral / active EE | $4,481 | $3,871+15.8% | $5,060-11.4% | $4,300+4.2% |
| Admin fee / account holder | $1,021 | $6,719-84.8% | $8,388-87.8% | $6,925-85.3% |