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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 | $96,025 | $99,345-3.3% | $84,753+13.3% | $273,972-65.0% |
| Participation rate | 88.9% | 80.7%+8.2pp | 76.6%+12.3pp | 83.0%+5.9pp |
| Annual return | -0.83% | 22.93%-23.8pp | 22.78%-23.6pp | 41.46%-42.3pp |
| Employer contribution / active EE | $11,840 | $4,214+181.0% | $3,574+231.2% | $4,869+143.2% |
| Participant deferral / active EE | $9,357 | $4,270+119.1% | $3,712+152.1% | $5,287+77.0% |
| Admin fee / account holder | $10,636 | $6,645+60.0% | $5,333+99.4% | $10,133+5.0% |