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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 | $97,953 | $63,365+54.6% | $91,994+6.5% | $72,976+34.2% |
| Participation rate | 100.0% | 72.5%+27.5pp | 78.6%+21.4pp | 69.5%+30.5pp |
| Annual return | 15.00% | 35.35%-20.3pp | 69.04%-54.0pp | 81.02%-66.0pp |
| Employer contribution / active EE | $5,127 | $2,116+142.3% | $3,453+48.5% | $2,440+110.1% |
| Participant deferral / active EE | $3,826 | $4,883-21.6% | $5,924-35.4% | $3,608+6.1% |
| Admin fee / account holder | $4,731 | $4,670+1.3% | $7,744-38.9% | $5,124-7.7% |