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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 | $114,481 | $72,273+58.4% | $101,275+13.0% | $79,856+43.4% |
| Participation rate | 100.0% | 68.5%+31.5pp | 75.8%+24.2pp | 69.6%+30.4pp |
| Annual return | 5.04% | 22.30%-17.3pp | 46.48%-41.4pp | 31.71%-26.7pp |
| Employer contribution / active EE | $5,401 | $2,691+100.7% | $3,660+47.6% | $2,471+118.5% |
| Participant deferral / active EE | $5,353 | $3,282+63.1% | $4,371+22.5% | $3,741+43.1% |
| Admin fee / account holder | $8,317 | $4,401+89.0% | $5,948+39.8% | $5,306+56.7% |