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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 | $162,168 | $228,352-29.0% | $185,835-12.7% | $158,966+2.0% |
| Participation rate | 100.0% | 82.3%+17.7pp | 78.0%+22.0pp | 82.0%+18.0pp |
| Annual return | 4.44% | 40.81%-36.4pp | 35.96%-31.5pp | 302.95%-298.5pp |
| Employer contribution / active EE | $5,455 | $4,967+9.8% | $4,087+33.4% | $4,762+14.5% |
| Participant deferral / active EE | $4,505 | $6,416-29.8% | $5,633-20.0% | $5,983-24.7% |
| Admin fee / account holder | $488 | $11,867-95.9% | $9,502-94.9% | $11,250-95.7% |