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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 | $67,105 | $65,367+2.7% | $92,915-27.8% | $72,976-8.0% |
| Participation rate | 100.0% | 68.3%+31.7pp | 76.0%+24.0pp | 69.5%+30.5pp |
| Annual return | 5.78% | 42.11%-36.3pp | 109.45%-103.7pp | 81.02%-75.2pp |
| Employer contribution / active EE | $3,747 | $2,594+44.5% | $3,653+2.6% | $2,440+53.6% |
| Participant deferral / active EE | $2,621 | $3,128-16.2% | $4,238-38.1% | $3,608-27.3% |
| Admin fee / account holder | $1,488 | $4,251-65.0% | $5,796-74.3% | $5,124-71.0% |