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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 | $106,454 | $68,852+54.6% | $120,524-11.7% | $80,925+31.5% |
| Participation rate | 100.0% | 61.6%+38.4pp | 71.9%+28.1pp | 67.7%+32.3pp |
| Annual return | 8.83% | 23.67%-14.8pp | 107.36%-98.5pp | 35.65%-26.8pp |
| Employer contribution / active EE | $6,458 | $2,063+213.0% | $3,469+86.2% | $2,756+134.3% |
| Participant deferral / active EE | $5,059 | $3,187+58.8% | $4,994+1.3% | $4,299+17.7% |
| Admin fee / account holder | $4,192 | $5,781-27.5% | $9,440-55.6% | $6,940-39.6% |