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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 | $104,990 | $124,351-15.6% | $109,188-3.8% | $167,553-37.3% |
| Participation rate | 85.7% | 79.4%+6.3pp | 75.9%+9.8pp | 82.1%+3.6pp |
| Annual return | 9.27% | 26.04%-16.8pp | 25.76%-16.5pp | 478.89%-469.6pp |
| Employer contribution / active EE | $0 | $4,210-100.0% | $3,723-100.0% | $4,840-100.0% |
| Participant deferral / active EE | $2,589 | $5,257-50.7% | $4,654-44.4% | $6,343-59.2% |
| Admin fee / account holder | $957 | $7,975-88.0% | $6,755-85.8% | $12,316-92.2% |