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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 | $77,088 | $56,894+35.5% | $84,753-9.0% | $62,881+22.6% |
| Participation rate | 100.0% | 68.5%+31.5pp | 76.6%+23.4pp | 69.3%+30.7pp |
| Annual return | -2.91% | 6.30%-9.2pp | 22.78%-25.7pp | 20.14%-23.1pp |
| Employer contribution / active EE | $3,953 | $2,400+64.7% | $3,574+10.6% | $2,281+73.3% |
| Participant deferral / active EE | $3,484 | $2,709+28.6% | $3,712-6.1% | $3,203+8.8% |
| Admin fee / account holder | $3,076 | $3,581-14.1% | $5,333-42.3% | $4,296-28.4% |