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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 | $127,225 | $136,860-7.0% | $120,344+5.7% | $154,746-17.8% |
| Participation rate | 84.6% | 79.9%+4.7pp | 76.7%+7.9pp | 80.7%+3.9pp |
| Annual return | 8.05% | 21.38%-13.3pp | 20.30%-12.3pp | 172.34%-164.3pp |
| Employer contribution / active EE | $8,650 | $3,533+144.8% | $3,020+186.4% | $4,379+97.5% |
| Participant deferral / active EE | $13,374 | $5,793+130.9% | $5,135+160.5% | $6,730+98.7% |
| Admin fee / account holder | $677 | $15,393-95.6% | $12,742-94.7% | $14,365-95.3% |