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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 | $69,772 | $138,386-49.6% | $184,260-62.1% | $80,935-13.8% |
| Participation rate | 100.0% | 83.9%+16.1pp | 86.8%+13.2pp | 67.7%+32.3pp |
| Annual return | 9.90% | 20.02%-10.1pp | 28.84%-18.9pp | 35.66%-25.8pp |
| Employer contribution / active EE | $8,484 | $4,851+74.9% | $6,427+32.0% | $2,757+207.8% |
| Participant deferral / active EE | $10,092 | $7,076+42.6% | $9,133+10.5% | $4,299+134.7% |
| Admin fee / account holder | $926 | $10,489-91.2% | $13,898-93.3% | $6,924-86.6% |