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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 | $94,882 | $110,137-13.9% | $161,149-41.1% | $82,637+14.8% |
| Participation rate | 100.0% | 72.4%+27.6pp | 78.8%+21.2pp | 68.1%+31.9pp |
| Annual return | 10.53% | 20.69%-10.2pp | 21.16%-10.6pp | 53.51%-43.0pp |
| Employer contribution / active EE | $3,089 | $2,856+8.1% | $4,360-29.2% | $2,552+21.0% |
| Participant deferral / active EE | $8,786 | $4,575+92.1% | $6,153+42.8% | $4,126+112.9% |
| Admin fee / account holder | $5,360 | $9,467-43.4% | $15,194-64.7% | $7,339-27.0% |