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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 | $57,758 | $68,852-16.1% | $120,524-52.1% | $80,925-28.6% |
| Participation rate | 100.0% | 61.6%+38.4pp | 71.9%+28.1pp | 67.7%+32.3pp |
| Annual return | 8.06% | 23.67%-15.6pp | 107.36%-99.3pp | 35.65%-27.6pp |
| Employer contribution / active EE | $2,106 | $2,063+2.1% | $3,469-39.3% | $2,756-23.6% |
| Participant deferral / active EE | $2,649 | $3,187-16.9% | $4,994-47.0% | $4,299-38.4% |
| Admin fee / account holder | $2,601 | $5,781-55.0% | $9,440-72.4% | $6,940-62.5% |