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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 | $140,193 | $176,838-20.7% | $146,685-4.4% | $167,518-16.3% |
| Participation rate | 88.2% | 83.6%+4.6pp | 80.1%+8.2pp | 82.1%+6.1pp |
| Annual return | 6.35% | 24.04%-17.7pp | 22.75%-16.4pp | 478.71%-472.4pp |
| Employer contribution / active EE | $3,363 | $5,161-34.8% | $4,137-18.7% | $4,838-30.5% |
| Participant deferral / active EE | $3,798 | $6,441-41.0% | $5,507-31.0% | $6,342-40.1% |
| Admin fee / account holder | $5,012 | $13,262-62.2% | $10,281-51.3% | $12,312-59.3% |