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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 | $106,087 | $161,352-34.3% | $134,172-20.9% | $137,256-22.7% |
| Participation rate | 100.0% | 78.3%+21.7pp | 72.5%+27.5pp | 80.0%+20.0pp |
| Annual return | 8.43% | 28.72%-20.3pp | 25.30%-16.9pp | 220.34%-211.9pp |
| Employer contribution / active EE | $5,540 | $4,099+35.2% | $3,420+62.0% | $4,156+33.3% |
| Participant deferral / active EE | $5,122 | $5,552-7.7% | $4,690+9.2% | $6,407-20.0% |
| Admin fee / account holder | $3,561 | $15,028-76.3% | $12,016-70.4% | $12,270-71.0% |