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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 | $108,086 | $106,247+1.7% | $96,515+12.0% | $139,466-22.5% |
| Participation rate | 77.8% | 77.8%-0.1pp | 74.3%+3.4pp | 80.3%-2.6pp |
| Annual return | 1.83% | 38.47%-36.6pp | 35.73%-33.9pp | 373.66%-371.8pp |
| Employer contribution / active EE | $1,111 | $4,106-72.9% | $3,740-70.3% | $4,754-76.6% |
| Participant deferral / active EE | $2,775 | $5,456-49.1% | $4,880-43.1% | $6,712-58.7% |
| Admin fee / account holder | $1,351 | $7,885-82.9% | $6,735-79.9% | $11,409-88.2% |