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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 | $56,527 | $99,633-43.3% | $183,328-69.2% | $82,448-31.4% |
| Participation rate | 100.0% | 70.8%+29.2pp | 77.3%+22.7pp | 68.1%+31.9pp |
| Annual return | 10.28% | 17.84%-7.6pp | 29.67%-19.4pp | 41.64%-31.4pp |
| Employer contribution / active EE | $5,391 | $3,256+65.5% | $5,055+6.6% | $2,551+111.3% |
| Participant deferral / active EE | $5,633 | $4,938+14.1% | $6,795-17.1% | $4,139+36.1% |
| Admin fee / account holder | $9,031 | $9,934-9.1% | $21,427-57.9% | $7,234+24.8% |