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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 | $103,646 | $153,769-32.6% | $133,975-22.6% | $273,972-62.2% |
| Participation rate | 100.0% | 88.4%+11.6pp | 87.1%+12.9pp | 83.0%+17.0pp |
| Annual return | 3.23% | 36.51%-33.3pp | 29.29%-26.1pp | 41.46%-38.2pp |
| Employer contribution / active EE | $3,376 | $6,029-44.0% | $5,211-35.2% | $4,869-30.7% |
| Participant deferral / active EE | $10,870 | $6,958+56.2% | $6,282+73.0% | $5,287+105.6% |
| Admin fee / account holder | $443 | $11,765-96.2% | $9,324-95.3% | $10,133-95.6% |