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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 | $104,886 | $185,312-43.4% | $161,489-35.1% | $154,746-32.2% |
| Participation rate | 85.7% | 82.5%+3.3pp | 78.7%+7.0pp | 80.7%+5.0pp |
| Annual return | 6.04% | 103.84%-97.8pp | 89.72%-83.7pp | 172.34%-166.3pp |
| Employer contribution / active EE | $7,797 | $4,769+63.5% | $4,268+82.7% | $4,379+78.1% |
| Participant deferral / active EE | $5,921 | $6,350-6.8% | $5,630+5.2% | $6,730-12.0% |
| Admin fee / account holder | $1,570 | $18,654-91.6% | $16,006-90.2% | $14,365-89.1% |