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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 | $162,967-34.9% | $135,792-21.9% | $138,895-23.6% |
| Participation rate | 100.0% | 78.3%+21.7pp | 72.6%+27.4pp | 79.9%+20.1pp |
| Annual return | 8.43% | 30.08%-21.6pp | 25.96%-17.5pp | 145.39%-137.0pp |
| Employer contribution / active EE | $5,540 | $4,211+31.6% | $3,496+58.5% | $4,194+32.1% |
| Participant deferral / active EE | $5,122 | $5,640-9.2% | $4,759+7.6% | $6,396-19.9% |
| Admin fee / account holder | $3,561 | $15,306-76.7% | $12,266-71.0% | $12,562-71.7% |