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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 | $104,450 | $83,485+25.1% | $125,195-16.6% | $72,976+43.1% |
| Participation rate | 100.0% | 73.3%+26.7pp | 79.8%+20.2pp | 69.5%+30.5pp |
| Annual return | 8.66% | 25.77%-17.1pp | 43.79%-35.1pp | 81.02%-72.4pp |
| Employer contribution / active EE | $1,119 | $2,346-52.3% | $3,866-71.0% | $2,440-54.1% |
| Participant deferral / active EE | $3,175 | $3,586-11.5% | $4,937-35.7% | $3,608-12.0% |
| Admin fee / account holder | $7,254 | $5,518+31.5% | $9,704-25.3% | $5,124+41.6% |