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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 | $69,390 | $93,617-25.9% | $135,982-49.0% | $75,177-7.7% |
| Participation rate | 100.0% | 75.2%+24.8pp | 81.9%+18.1pp | 67.2%+32.8pp |
| Annual return | 12.40% | 30.89%-18.5pp | 68.32%-55.9pp | 160.75%-148.3pp |
| Employer contribution / active EE | $5,184 | $3,538+46.5% | $4,859+6.7% | $2,671+94.1% |
| Participant deferral / active EE | $4,337 | $6,406-32.3% | $7,760-44.1% | $4,126+5.1% |
| Admin fee / account holder | $307 | $6,980-95.6% | $10,767-97.1% | $5,651-94.6% |