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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 | $67,602 | $56,544+19.6% | $75,501-10.5% | $70,126-3.6% |
| Participation rate | 100.0% | 68.1%+31.9pp | 72.4%+27.6pp | 69.5%+30.5pp |
| Annual return | 11.29% | 23.59%-12.3pp | 27.35%-16.1pp | 73.15%-61.9pp |
| Employer contribution / active EE | $3,996 | $1,817+120.0% | $2,352+69.9% | $2,343+70.6% |
| Participant deferral / active EE | $2,794 | $2,580+8.3% | $3,142-11.1% | $3,332-16.1% |
| Admin fee / account holder | $3,739 | $3,827-2.3% | $5,801-35.5% | $4,645-19.5% |