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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 | $103,978 | $110,137-5.6% | $161,149-35.5% | $82,637+25.8% |
| Participation rate | 100.0% | 72.4%+27.6pp | 78.8%+21.2pp | 68.1%+31.9pp |
| Annual return | 10.08% | 20.69%-10.6pp | 21.16%-11.1pp | 53.51%-43.4pp |
| Employer contribution / active EE | $5,991 | $2,856+109.8% | $4,360+37.4% | $2,552+134.8% |
| Participant deferral / active EE | $2,153 | $4,575-52.9% | $6,153-65.0% | $4,126-47.8% |
| Admin fee / account holder | $8,731 | $9,467-7.8% | $15,194-42.5% | $7,339+19.0% |