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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 | $107,713 | $123,155-12.5% | $108,753-1.0% | $155,188-30.6% |
| Participation rate | 100.0% | 75.6%+24.4pp | 71.1%+28.9pp | 80.8%+19.2pp |
| Annual return | 4.12% | 44.73%-40.6pp | 37.47%-33.4pp | 148.84%-144.7pp |
| Employer contribution / active EE | $4,557 | $2,811+62.1% | $2,427+87.8% | $4,248+7.3% |
| Participant deferral / active EE | $6,416 | $4,623+38.8% | $4,115+55.9% | $6,531-1.8% |
| Admin fee / account holder | $4,454 | $12,126-63.3% | $10,320-56.8% | $14,480-69.2% |