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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 | $101,044 | $93,598+8.0% | $135,974-25.7% | $75,173+34.4% |
| Participation rate | 100.0% | 75.2%+24.8pp | 81.9%+18.1pp | 67.2%+32.8pp |
| Annual return | 14.48% | 30.89%-16.4pp | 68.30%-53.8pp | 160.72%-146.2pp |
| Employer contribution / active EE | $3,961 | $3,538+12.0% | $4,859-18.5% | $2,671+48.3% |
| Participant deferral / active EE | $10,172 | $6,405+58.8% | $7,760+31.1% | $4,126+146.5% |
| Admin fee / account holder | $1,429 | $6,978-79.5% | $10,767-86.7% | $5,651-74.7% |