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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 | $5,800 | $65,361-91.1% | $92,903-93.8% | $72,983-92.1% |
| Participation rate | 80.5% | 68.3%+12.1pp | 76.0%+4.5pp | 69.5%+11.0pp |
| Annual return | 4.34% | 42.11%-37.8pp | 109.43%-105.1pp | 81.01%-76.7pp |
| Employer contribution / active EE | $1,075 | $2,594-58.6% | $3,653-70.6% | $2,440-56.0% |
| Participant deferral / active EE | $2,874 | $3,128-8.1% | $4,238-32.2% | $3,608-20.3% |
| Admin fee / account holder | $415 | $4,251-90.2% | $5,795-92.8% | $5,124-91.9% |