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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 | $81,565 | $153,769-47.0% | $133,975-39.1% | $273,972-70.2% |
| Participation rate | 100.0% | 88.4%+11.6pp | 87.1%+12.9pp | 83.0%+17.0pp |
| Annual return | 1.12% | 36.51%-35.4pp | 29.29%-28.2pp | 41.46%-40.3pp |
| Employer contribution / active EE | $9,549 | $6,029+58.4% | $5,211+83.2% | $4,869+96.1% |
| Participant deferral / active EE | $6,867 | $6,958-1.3% | $6,282+9.3% | $5,287+29.9% |
| Admin fee / account holder | $558 | $11,765-95.3% | $9,324-94.0% | $10,133-94.5% |