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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 | $73,716 | $101,778-27.6% | $164,975-55.3% | $80,925-8.9% |
| Participation rate | 100.0% | 71.8%+28.2pp | 78.6%+21.4pp | 67.7%+32.3pp |
| Annual return | 9.86% | 16.73%-6.9pp | 70.12%-60.3pp | 35.65%-25.8pp |
| Employer contribution / active EE | $9,086 | $2,954+207.6% | $4,343+109.2% | $2,756+229.6% |
| Participant deferral / active EE | $5,068 | $4,477+13.2% | $6,033-16.0% | $4,299+17.9% |
| Admin fee / account holder | $7,538 | $8,221-8.3% | $12,688-40.6% | $6,940+8.6% |