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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 | $133,785 | $105,630+26.7% | $87,507+52.9% | $273,968-51.2% |
| Participation rate | 100.0% | 78.2%+21.8pp | 73.8%+26.2pp | 83.0%+17.0pp |
| Annual return | -5.28% | 12.25%-17.5pp | 12.21%-17.5pp | 41.45%-46.7pp |
| Employer contribution / active EE | $8,074 | $3,141+157.1% | $2,550+216.6% | $4,869+65.8% |
| Participant deferral / active EE | $6,583 | $3,601+82.8% | $3,149+109.1% | $5,287+24.5% |
| Admin fee / account holder | $7,685 | $4,781+60.7% | $4,221+82.1% | $10,132-24.2% |