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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 | $109,247 | $84,953+28.6% | $163,379-33.1% | $82,637+32.2% |
| Participation rate | 100.0% | 65.9%+34.1pp | 76.8%+23.2pp | 68.1%+31.9pp |
| Annual return | 10.69% | 23.07%-12.4pp | 63.41%-52.7pp | 53.51%-42.8pp |
| Employer contribution / active EE | $6,072 | $2,183+178.2% | $3,752+61.8% | $2,552+137.9% |
| Participant deferral / active EE | $7,160 | $4,326+65.5% | $6,282+14.0% | $4,126+73.5% |
| Admin fee / account holder | $2,406 | $7,921-69.6% | $9,818-75.5% | $7,339-67.2% |