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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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $7,759 | $47,848-83.8% | $81,473-90.5% | $70,126-88.9% |
| Participation rate | 78.8% | 58.3%+20.5pp | 68.0%+10.8pp | 69.5%+9.2pp |
| Annual return | 12.28% | 27.25%-15.0pp | 38.78%-26.5pp | 73.15%-60.9pp |
| Employer contribution / active EE | $651 | $1,527-57.4% | $2,568-74.6% | $2,343-72.2% |
| Participant deferral / active EE | $1,854 | $2,453-24.4% | $3,537-47.6% | $3,332-44.4% |
| Admin fee / account holder | $752 | $3,145-76.1% | $4,561-83.5% | $4,645-83.8% |