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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 | $95,489 | $78,423+21.8% | $95,964-0.5% | $79,856+19.6% |
| Participation rate | 100.0% | 73.5%+26.5pp | 77.1%+22.9pp | 69.6%+30.4pp |
| Annual return | 6.14% | 19.37%-13.2pp | 91.64%-85.5pp | 31.71%-25.6pp |
| Employer contribution / active EE | $4,553 | $1,945+134.0% | $2,541+79.1% | $2,471+84.2% |
| Participant deferral / active EE | $2,935 | $3,440-14.7% | $4,167-29.6% | $3,741-21.5% |
| Admin fee / account holder | $2,824 | $5,622-49.8% | $6,797-58.5% | $5,306-46.8% |