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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 | $50,738 | $102,609-50.6% | $98,090-48.3% | $138,895-63.5% |
| Participation rate | 100.0% | 82.8%+17.2pp | 81.5%+18.5pp | 79.9%+20.1pp |
| Annual return | 11.04% | 36.44%-25.4pp | 37.05%-26.0pp | 145.39%-134.4pp |
| Employer contribution / active EE | $931 | $3,867-75.9% | $3,606-74.2% | $4,194-77.8% |
| Participant deferral / active EE | $5,051 | $8,167-38.2% | $7,845-35.6% | $6,396-21.0% |
| Admin fee / account holder | $8,760 | $11,434-23.4% | $11,815-25.9% | $12,562-30.3% |