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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 | $20,616 | $81,233-74.6% | $155,567-86.7% | $80,874-74.5% |
| Participation rate | 100.0% | 66.2%+33.8pp | 78.2%+21.8pp | 67.6%+32.4pp |
| Annual return | 7.97% | 33.33%-25.4pp | 64.74%-56.8pp | 35.62%-27.6pp |
| Employer contribution / active EE | $6,219 | $3,101+100.6% | $4,674+33.1% | $2,756+125.7% |
| Participant deferral / active EE | $3,098 | $3,452-10.3% | $5,628-44.9% | $4,297-27.9% |
| Admin fee / account holder | $406 | $7,998-94.9% | $15,916-97.5% | $6,935-94.2% |