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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 | $61,147 | $64,359-5.0% | $90,161-32.2% | $70,126-12.8% |
| Participation rate | 100.0% | 70.4%+29.6pp | 76.9%+23.1pp | 69.5%+30.5pp |
| Annual return | 9.88% | 28.13%-18.3pp | 34.89%-25.0pp | 73.15%-63.3pp |
| Employer contribution / active EE | $3,926 | $2,046+91.9% | $3,318+18.3% | $2,343+67.6% |
| Participant deferral / active EE | $2,824 | $4,389-35.7% | $5,287-46.6% | $3,332-15.2% |
| Admin fee / account holder | $1,987 | $3,945-49.6% | $5,943-66.6% | $4,645-57.2% |