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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 | $90,945 | $71,215+27.7% | $93,696-2.9% | $80,935+12.4% |
| Participation rate | 88.9% | 60.4%+28.5pp | 68.7%+20.2pp | 67.7%+21.2pp |
| Annual return | 8.13% | 11.27%-3.1pp | 133.74%-125.6pp | 35.66%-27.5pp |
| Employer contribution / active EE | $5,118 | $1,565+227.0% | $2,422+111.3% | $2,757+85.6% |
| Participant deferral / active EE | $4,512 | $4,037+11.8% | $4,417+2.2% | $4,299+4.9% |
| Admin fee / account holder | $412 | $6,958-94.1% | $8,287-95.0% | $6,924-94.0% |