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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 | $68,134 | $73,978-7.9% | $96,515-29.4% | $75,173-9.4% |
| Participation rate | 100.0% | 66.4%+33.6pp | 74.3%+25.7pp | 67.2%+32.8pp |
| Annual return | 3.06% | 26.72%-23.7pp | 35.73%-32.7pp | 160.72%-157.7pp |
| Employer contribution / active EE | $7,902 | $2,931+169.6% | $3,740+111.3% | $2,671+195.8% |
| Participant deferral / active EE | $3,473 | $3,660-5.1% | $4,880-28.8% | $4,126-15.8% |
| Admin fee / account holder | $2,153 | $5,219-58.8% | $6,735-68.0% | $5,651-61.9% |