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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 | $64,541 | $59,839+7.9% | $81,991-21.3% | $79,852-19.2% |
| Participation rate | 100.0% | 61.6%+38.4pp | 69.3%+30.7pp | 69.6%+30.4pp |
| Annual return | 8.10% | 17.56%-9.5pp | 41.31%-33.2pp | 31.72%-23.6pp |
| Employer contribution / active EE | $5,620 | $1,713+228.0% | $2,498+125.0% | $2,471+127.4% |
| Participant deferral / active EE | $4,862 | $2,695+80.4% | $3,722+30.6% | $3,740+30.0% |
| Admin fee / account holder | $1,471 | $4,287-65.7% | $5,665-74.0% | $5,306-72.3% |