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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 | $63,772 | $81,233-21.5% | $155,567-59.0% | $80,874-21.1% |
| Participation rate | 100.0% | 66.2%+33.8pp | 78.2%+21.8pp | 67.6%+32.4pp |
| Annual return | 8.68% | 33.33%-24.7pp | 64.74%-56.1pp | 35.62%-26.9pp |
| Employer contribution / active EE | $5,565 | $3,101+79.5% | $4,674+19.1% | $2,756+102.0% |
| Participant deferral / active EE | $6,145 | $3,452+78.0% | $5,628+9.2% | $4,297+43.0% |
| Admin fee / account holder | $9,964 | $7,998+24.6% | $15,916-37.4% | $6,935+43.7% |