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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 | $81,487+47.0% | $102,412+16.9% | $80,935+48.0% |
| Participation rate | 100.0% | 66.8%+33.2pp | 74.5%+25.5pp | 67.7%+32.3pp |
| Annual return | 9.49% | 25.60%-16.1pp | 24.94%-15.4pp | 35.66%-26.2pp |
| Employer contribution / active EE | $6,441 | $3,103+107.6% | $3,870+66.4% | $2,757+133.6% |
| Participant deferral / active EE | $5,070 | $3,871+31.0% | $5,060+0.2% | $4,299+17.9% |
| Admin fee / account holder | $2,211 | $6,717-67.1% | $8,388-73.6% | $6,924-68.1% |