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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 | $81,358+47.1% | $155,556-23.1% | $80,959+47.8% |
| Participation rate | 100.0% | 66.3%+33.7pp | 78.2%+21.8pp | 67.7%+32.3pp |
| Annual return | 8.50% | 33.39%-24.9pp | 64.84%-56.3pp | 35.67%-27.2pp |
| Employer contribution / active EE | $3,268 | $3,106+5.2% | $4,675-30.1% | $2,757+18.5% |
| Participant deferral / active EE | $4,686 | $3,455+35.6% | $5,631-16.8% | $4,300+9.0% |
| Admin fee / account holder | $725 | $7,994-90.9% | $15,885-95.4% | $6,925-89.5% |