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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 | $115,225-6.5% | $100,712+7.0% | $138,895-22.5% |
| Participation rate | 100.0% | 74.3%+25.7pp | 69.3%+30.7pp | 79.9%+20.1pp |
| Annual return | 4.12% | 40.35%-36.2pp | 33.27%-29.2pp | 145.39%-141.3pp |
| Employer contribution / active EE | $4,557 | $2,771+64.5% | $2,313+97.1% | $4,194+8.7% |
| Participant deferral / active EE | $6,416 | $4,699+36.5% | $4,085+57.0% | $6,396+0.3% |
| Admin fee / account holder | $4,454 | $10,844-58.9% | $9,256-51.9% | $12,562-64.5% |