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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 | $160,650 | $176,794-9.1% | $146,647+9.5% | $167,553-4.1% |
| Participation rate | 78.3% | 83.6%-5.4pp | 80.1%-1.8pp | 82.1%-3.9pp |
| Annual return | 8.75% | 24.04%-15.3pp | 22.75%-14.0pp | 478.89%-470.1pp |
| Employer contribution / active EE | $1,104 | $5,161-78.6% | $4,137-73.3% | $4,840-77.2% |
| Participant deferral / active EE | $2,190 | $6,440-66.0% | $5,506-60.2% | $6,343-65.5% |
| Admin fee / account holder | $3,784 | $13,262-71.5% | $10,281-63.2% | $12,316-69.3% |