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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 | $98,820 | $181,896-45.7% | $156,551-36.9% | $273,972-63.9% |
| Participation rate | 100.0% | 88.4%+11.6pp | 84.0%+16.0pp | 83.0%+17.0pp |
| Annual return | -1.13% | 30.74%-31.9pp | 32.23%-33.4pp | 41.46%-42.6pp |
| Employer contribution / active EE | $4,116 | $6,248-34.1% | $5,501-25.2% | $4,869-15.5% |
| Participant deferral / active EE | $3,953 | $5,550-28.8% | $4,871-18.8% | $5,287-25.2% |
| Admin fee / account holder | $3,018 | $15,560-80.6% | $13,028-76.8% | $10,133-70.2% |