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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 | $74,341 | $51,708+43.8% | $106,619-30.3% | $62,881+18.2% |
| Participation rate | 100.0% | 66.9%+33.1pp | 78.0%+22.0pp | 69.3%+30.7pp |
| Annual return | -0.11% | 4.69%-4.8pp | 9.42%-9.5pp | 20.14%-20.3pp |
| Employer contribution / active EE | $6,818 | $1,764+286.6% | $3,947+72.8% | $2,281+198.9% |
| Participant deferral / active EE | $3,151 | $2,315+36.1% | $3,930-19.8% | $3,203-1.6% |
| Admin fee / account holder | $1,373 | $3,349-59.0% | $6,418-78.6% | $4,296-68.0% |