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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 | $63,032 | $76,551-17.7% | $123,894-49.1% | $62,881+0.2% |
| Participation rate | 100.0% | 73.0%+27.0pp | 81.4%+18.6pp | 69.3%+30.7pp |
| Annual return | 2.37% | 18.68%-16.3pp | 47.52%-45.1pp | 20.14%-17.8pp |
| Employer contribution / active EE | $4,250 | $2,882+47.4% | $4,617-7.9% | $2,281+86.3% |
| Participant deferral / active EE | $8,562 | $4,840+76.9% | $5,984+43.1% | $3,203+167.3% |
| Admin fee / account holder | $8,896 | $4,826+84.3% | $8,357+6.4% | $4,296+107.1% |