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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 | $88,572 | $32,714+170.7% | - | $75,173+17.8% |
| Participation rate | 100.0% | 52.5%+47.5pp | - | 67.2%+32.8pp |
| Annual return | 13.78% | 25.21%-11.4pp | - | 160.72%-146.9pp |
| Employer contribution / active EE | $8,487 | $1,809+369.3% | - | $2,671+217.8% |
| Participant deferral / active EE | $5,378 | $2,266+137.3% | - | $4,126+30.3% |
| Admin fee / account holder | $1,587 | $3,179-50.1% | - | $5,651-71.9% |