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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 | $93,345 | $77,638+20.2% | $156,551-40.4% | $62,881+48.4% |
| Participation rate | 100.0% | 71.2%+28.8pp | 84.0%+16.0pp | 69.3%+30.7pp |
| Annual return | 4.54% | 50.33%-45.8pp | 32.23%-27.7pp | 20.14%-15.6pp |
| Employer contribution / active EE | $3,558 | $3,444+3.3% | $5,501-35.3% | $2,281+56.0% |
| Participant deferral / active EE | $3,874 | $3,046+27.2% | $4,871-20.5% | $3,203+21.0% |
| Admin fee / account holder | $5,940 | $5,561+6.8% | $13,028-54.4% | $4,296+38.3% |