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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 | $92,942 | $103,393-10.1% | $87,103+6.7% | $152,909-39.2% |
| Participation rate | 90.0% | 79.4%+10.6pp | 76.9%+13.1pp | 82.5%+7.5pp |
| Annual return | 3.93% | 28.10%-24.2pp | 28.19%-24.3pp | 345.46%-341.5pp |
| Employer contribution / active EE | $0 | $3,221-100.0% | $2,521-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $4,612 | $4,778-3.5% | $4,049+13.9% | $5,851-21.2% |
| Admin fee / account holder | $24,490 | $12,195+100.8% | $7,491+226.9% | $11,601+111.1% |