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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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $3,524 | $81,331-95.7% | $155,534-97.7% | $80,935-95.6% |
| Participation rate | 80.8% | 66.3%+14.5pp | 78.2%+2.6pp | 67.7%+13.1pp |
| Annual return | 5.33% | 33.37%-28.0pp | 64.92%-59.6pp | 35.66%-30.3pp |
| Employer contribution / active EE | $991 | $3,105-68.1% | $4,675-78.8% | $2,757-64.1% |
| Participant deferral / active EE | $1,655 | $3,454-52.1% | $5,630-70.6% | $4,299-61.5% |
| Admin fee / account holder | $320 | $7,999-96.0% | $15,900-98.0% | $6,924-95.4% |