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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 | $103,840 | $107,666-3.6% | $102,184+1.6% | $154,746-32.9% |
| Participation rate | 100.0% | 83.7%+16.3pp | 82.6%+17.4pp | 80.7%+19.3pp |
| Annual return | 10.97% | 29.33%-18.4pp | 31.58%-20.6pp | 172.34%-161.4pp |
| Employer contribution / active EE | $6,238 | $3,846+62.2% | $3,594+73.6% | $4,379+42.5% |
| Participant deferral / active EE | $8,648 | $8,719-0.8% | $8,309+4.1% | $6,730+28.5% |
| Admin fee / account holder | $25,661 | $12,943+98.3% | $11,609+121.0% | $14,365+78.6% |