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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 | $69,216 | $89,367-22.5% | $141,191-51.0% | $72,975-5.2% |
| Participation rate | 100.0% | 75.1%+24.9pp | 82.5%+17.5pp | 69.5%+30.5pp |
| Annual return | 15.45% | 111.87%-96.4pp | 71.41%-56.0pp | 81.01%-65.6pp |
| Employer contribution / active EE | $3,359 | $3,115+7.8% | $4,736-29.1% | $2,440+37.6% |
| Participant deferral / active EE | $9,993 | $5,419+84.4% | $6,710+48.9% | $3,608+177.0% |
| Admin fee / account holder | $6,074 | $5,957+2.0% | $10,264-40.8% | $5,124+18.5% |