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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 | $82,138 | $92,798-11.5% | $96,707-15.1% | $137,256-40.2% |
| Participation rate | 100.0% | 81.6%+18.4pp | 80.4%+19.6pp | 80.0%+20.0pp |
| Annual return | 10.06% | 31.24%-21.2pp | 34.78%-24.7pp | 220.34%-210.3pp |
| Employer contribution / active EE | $2,569 | $4,147-38.1% | $4,191-38.7% | $4,156-38.2% |
| Participant deferral / active EE | $4,610 | $5,877-21.5% | $5,997-23.1% | $6,407-28.0% |
| Admin fee / account holder | $12,449 | $7,946+56.7% | $7,503+65.9% | $12,270+1.5% |