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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 | $117,637 | $110,410+6.5% | $102,437+14.8% | $145,897-19.4% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 0.20% | 24.85%-24.6pp | 24.95%-24.7pp | 552.29%-552.1pp |
| Employer contribution / active EE | $3,714 | $4,217-11.9% | $3,871-4.0% | $4,663-20.3% |
| Participant deferral / active EE | $8,842 | $5,622+57.3% | $5,060+74.7% | $6,689+32.2% |
| Admin fee / account holder | $4,092 | $9,745-58.0% | $8,388-51.2% | $13,390-69.4% |