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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 | $131,360 | $181,896-27.8% | $156,551-16.1% | $273,972-52.1% |
| Participation rate | 100.0% | 88.4%+11.6pp | 84.0%+16.0pp | 83.0%+17.0pp |
| Annual return | 2.36% | 30.74%-28.4pp | 32.23%-29.9pp | 41.46%-39.1pp |
| Employer contribution / active EE | $8,213 | $6,248+31.5% | $5,501+49.3% | $4,869+68.7% |
| Participant deferral / active EE | $8,569 | $5,550+54.4% | $4,871+75.9% | $5,287+62.1% |
| Admin fee / account holder | $1,029 | $15,560-93.4% | $13,028-92.1% | $10,133-89.8% |