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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 | $78,658 | $115,911-32.1% | $100,530-21.8% | $158,950-50.5% |
| Participation rate | 91.7% | 81.6%+10.1pp | 79.4%+12.3pp | 82.0%+9.7pp |
| Annual return | 6.43% | 34.80%-28.4pp | 30.89%-24.5pp | 302.91%-296.5pp |
| Employer contribution / active EE | $3,904 | $4,104-4.9% | $3,418+14.2% | $4,762-18.0% |
| Participant deferral / active EE | $2,604 | $6,676-61.0% | $6,271-58.5% | $5,983-56.5% |
| Admin fee / account holder | $3,246 | $10,999-70.5% | $8,083-59.8% | $11,248-71.1% |