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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 | $35,271 | $73,978-52.3% | $96,515-63.5% | $75,173-53.1% |
| Participation rate | 100.0% | 66.4%+33.6pp | 74.3%+25.7pp | 67.2%+32.8pp |
| Annual return | 11.52% | 26.72%-15.2pp | 35.73%-24.2pp | 160.72%-149.2pp |
| Employer contribution / active EE | $3,019 | $2,931+3.0% | $3,740-19.3% | $2,671+13.0% |
| Participant deferral / active EE | $2,943 | $3,660-19.6% | $4,880-39.7% | $4,126-28.7% |
| Admin fee / account holder | $3,116 | $5,219-40.3% | $6,735-53.7% | $5,651-44.8% |