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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 | $127,131 | $210,991-39.7% | $153,741-17.3% | $145,897-12.9% |
| Participation rate | 100.0% | 82.1%+17.9pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 6.71% | 13.46%-6.8pp | 15.71%-9.0pp | 552.29%-545.6pp |
| Employer contribution / active EE | $2,910 | $6,057-52.0% | $5,042-42.3% | $4,663-37.6% |
| Participant deferral / active EE | $3,326 | $7,979-58.3% | $6,757-50.8% | $6,689-50.3% |
| Admin fee / account holder | $7,392 | $19,490-62.1% | $12,749-42.0% | $13,390-44.8% |