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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 | $110,812 | $72,273+53.3% | $101,275+9.4% | $79,856+38.8% |
| Participation rate | 100.0% | 68.5%+31.5pp | 75.8%+24.2pp | 69.6%+30.4pp |
| Annual return | 6.08% | 22.30%-16.2pp | 46.48%-40.4pp | 31.71%-25.6pp |
| Employer contribution / active EE | $9,307 | $2,691+245.8% | $3,660+154.3% | $2,471+276.6% |
| Participant deferral / active EE | $7,513 | $3,282+128.9% | $4,371+71.9% | $3,741+100.8% |
| Admin fee / account holder | $4,046 | $4,401-8.1% | $5,948-32.0% | $5,306-23.8% |