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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 | $70,794 | $83,485-15.2% | $125,192-43.5% | $72,975-3.0% |
| Participation rate | 100.0% | 73.3%+26.7pp | 79.8%+20.2pp | 69.5%+30.5pp |
| Annual return | 12.74% | 25.77%-13.0pp | 43.79%-31.1pp | 81.01%-68.3pp |
| Employer contribution / active EE | $10,534 | $2,346+349.1% | $3,866+172.5% | $2,440+331.7% |
| Participant deferral / active EE | $4,671 | $3,586+30.2% | $4,937-5.4% | $3,608+29.5% |
| Admin fee / account holder | $7,324 | $5,518+32.7% | $9,704-24.5% | $5,124+42.9% |