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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 | $91,196 | $99,875-8.7% | $146,866-37.9% | $86,983+4.8% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.5%+17.5pp | 69.5%+30.5pp |
| Annual return | 9.71% | 28.10%-18.4pp | 102.85%-93.1pp | 25.83%-16.1pp |
| Employer contribution / active EE | $5,908 | $3,224+83.3% | $4,425+33.5% | $2,584+128.6% |
| Participant deferral / active EE | $8,463 | $6,322+33.9% | $7,759+9.1% | $4,194+101.8% |
| Admin fee / account holder | $2,669 | $7,838-65.9% | $13,620-80.4% | $7,856-66.0% |