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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 | $119,667 | $81,276+47.2% | $155,574-23.1% | $80,925+47.9% |
| Participation rate | 100.0% | 66.2%+33.8pp | 78.2%+21.8pp | 67.7%+32.3pp |
| Annual return | 8.50% | 33.36%-24.9pp | 64.87%-56.4pp | 35.65%-27.1pp |
| Employer contribution / active EE | $3,268 | $3,103+5.3% | $4,676-30.1% | $2,756+18.6% |
| Participant deferral / active EE | $4,686 | $3,453+35.7% | $5,629-16.8% | $4,299+9.0% |
| Admin fee / account holder | $725 | $7,993-90.9% | $15,914-95.4% | $6,940-89.6% |