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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 | $81,318 | $63,365+28.3% | $91,994-11.6% | $72,976+11.4% |
| Participation rate | 100.0% | 72.5%+27.5pp | 78.6%+21.4pp | 69.5%+30.5pp |
| Annual return | 18.13% | 35.35%-17.2pp | 69.04%-50.9pp | 81.02%-62.9pp |
| Employer contribution / active EE | $7,613 | $2,116+259.8% | $3,453+120.5% | $2,440+212.0% |
| Participant deferral / active EE | $7,009 | $4,883+43.5% | $5,924+18.3% | $3,608+94.3% |
| Admin fee / account holder | $1,646 | $4,670-64.8% | $7,744-78.7% | $5,124-67.9% |