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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 | $119,756 | $81,446+47.0% | $103,374+15.8% | $80,874+48.1% |
| Participation rate | 100.0% | 66.9%+33.1pp | 74.5%+25.5pp | 67.6%+32.4pp |
| Annual return | 9.49% | 25.57%-16.1pp | 24.89%-15.4pp | 35.62%-26.1pp |
| Employer contribution / active EE | $6,441 | $3,107+107.3% | $3,869+66.5% | $2,756+133.7% |
| Participant deferral / active EE | $5,070 | $3,870+31.0% | $5,058+0.3% | $4,297+18.0% |
| Admin fee / account holder | $2,211 | $6,715-67.1% | $8,394-73.7% | $6,935-68.1% |