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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 | $151,761 | $101,795+49.1% | $165,100-8.1% | $80,959+87.5% |
| Participation rate | 100.0% | 71.8%+28.2pp | 78.6%+21.4pp | 67.7%+32.3pp |
| Annual return | 8.62% | 16.73%-8.1pp | 70.21%-61.6pp | 35.67%-27.0pp |
| Employer contribution / active EE | $1,336 | $2,954-54.8% | $4,348-69.3% | $2,757-51.5% |
| Participant deferral / active EE | $4,269 | $4,476-4.6% | $6,035-29.3% | $4,300-0.7% |
| Admin fee / account holder | $5,775 | $8,221-29.8% | $12,696-54.5% | $6,925-16.6% |