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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 | $126,450 | $106,524+18.7% | $152,301-17.0% | $87,485+44.5% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.4%+17.6pp | 68.9%+31.1pp |
| Annual return | 13.57% | 26.89%-13.3pp | 80.50%-66.9pp | 26.06%-12.5pp |
| Employer contribution / active EE | $2,455 | $3,371-27.2% | $4,624-46.9% | $2,596-5.4% |
| Participant deferral / active EE | $6,340 | $6,525-2.8% | $8,004-20.8% | $4,274+48.4% |
| Admin fee / account holder | $1,395 | $8,287-83.2% | $14,398-90.3% | $7,775-82.1% |