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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 | $65,040 | $72,273-10.0% | $101,275-35.8% | $79,856-18.6% |
| Participation rate | 100.0% | 68.5%+31.5pp | 75.8%+24.2pp | 69.6%+30.4pp |
| Annual return | 2.10% | 22.30%-20.2pp | 46.48%-44.4pp | 31.71%-29.6pp |
| Employer contribution / active EE | $7,468 | $2,691+177.5% | $3,660+104.0% | $2,471+202.2% |
| Participant deferral / active EE | $1,896 | $3,282-42.2% | $4,371-56.6% | $3,741-49.3% |
| Admin fee / account holder | $1,588 | $4,401-63.9% | $5,948-73.3% | $5,306-70.1% |