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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 | $61,316 | $72,269-15.2% | $101,271-39.5% | $79,852-23.2% |
| Participation rate | 100.0% | 68.5%+31.5pp | 75.8%+24.2pp | 69.6%+30.4pp |
| Annual return | 10.51% | 22.29%-11.8pp | 46.48%-36.0pp | 31.72%-21.2pp |
| Employer contribution / active EE | $12,127 | $2,692+350.5% | $3,660+231.3% | $2,471+390.8% |
| Participant deferral / active EE | $6,068 | $3,282+84.9% | $4,371+38.8% | $3,740+62.2% |
| Admin fee / account holder | $4,531 | $4,401+3.0% | $5,948-23.8% | $5,306-14.6% |