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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 | $108,048 | $111,814-3.4% | $103,378+4.5% | $145,978-26.0% |
| Participation rate | 93.3% | 77.9%+15.4pp | 74.5%+18.8pp | 80.3%+13.0pp |
| Annual return | 7.14% | 24.80%-17.7pp | 24.91%-17.8pp | 550.52%-543.4pp |
| Employer contribution / active EE | $3,599 | $4,215-14.6% | $3,870-7.0% | $4,662-22.8% |
| Participant deferral / active EE | $6,395 | $5,618+13.8% | $5,058+26.4% | $6,690-4.4% |
| Admin fee / account holder | $20,374 | $9,764+108.7% | $8,401+142.5% | $13,400+52.0% |