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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 | $84,844 | $101,795-16.7% | $165,100-48.6% | $80,959+4.8% |
| Participation rate | 100.0% | 71.8%+28.2pp | 78.6%+21.4pp | 67.7%+32.3pp |
| Annual return | 8.56% | 16.73%-8.2pp | 70.21%-61.6pp | 35.67%-27.1pp |
| Employer contribution / active EE | $3,149 | $2,954+6.6% | $4,348-27.6% | $2,757+14.2% |
| Participant deferral / active EE | $2,342 | $4,476-47.7% | $6,035-61.2% | $4,300-45.5% |
| Admin fee / account holder | $1,612 | $8,221-80.4% | $12,696-87.3% | $6,925-76.7% |