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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 | $74,715 | $73,978+1.0% | $96,515-22.6% | $75,173-0.6% |
| Participation rate | 100.0% | 66.4%+33.6pp | 74.3%+25.7pp | 67.2%+32.8pp |
| Annual return | 8.09% | 26.72%-18.6pp | 35.73%-27.6pp | 160.72%-152.6pp |
| Employer contribution / active EE | $13,140 | $2,931+348.4% | $3,740+251.4% | $2,671+392.0% |
| Participant deferral / active EE | $2,628 | $3,660-28.2% | $4,880-46.1% | $4,126-36.3% |
| Admin fee / account holder | $6,526 | $5,219+25.1% | $6,735-3.1% | $5,651+15.5% |