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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 | $131,072 | $73,019+79.5% | $90,766+44.4% | $68,490+91.4% |
| Participation rate | 97.1% | 70.8%+26.2pp | 75.7%+21.4pp | 67.9%+29.2pp |
| Annual return | -19.85% | -13.81%-6.0pp | -12.16%-7.7pp | -7.85%-12.0pp |
| Employer contribution / active EE | $4,055 | $2,193+84.9% | $2,922+38.8% | $2,597+56.2% |
| Participant deferral / active EE | $9,351 | $3,626+157.9% | $4,565+104.8% | $4,028+132.2% |
| Admin fee / account holder | $2,628 | $5,897-55.4% | $8,446-68.9% | $5,403-51.4% |