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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 | $125,098 | $100,970+23.9% | $96,576+29.5% | $137,256-8.9% |
| Participation rate | 83.3% | 82.6%+0.7pp | 81.4%+1.9pp | 80.0%+3.4pp |
| Annual return | 10.72% | 38.16%-27.4pp | 38.47%-27.7pp | 220.34%-209.6pp |
| Employer contribution / active EE | $1,732 | $3,809-54.5% | $3,553-51.3% | $4,156-58.3% |
| Participant deferral / active EE | $2,896 | $8,286-65.0% | $7,956-63.6% | $6,407-54.8% |
| Admin fee / account holder | $1,137 | $11,312-89.9% | $11,381-90.0% | $12,270-90.7% |