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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 | $97,787 | $156,398-37.5% | $147,318-33.6% | $138,895-29.6% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 79.9%+20.1pp |
| Annual return | 11.87% | 78.75%-66.9pp | 70.43%-58.6pp | 145.39%-133.5pp |
| Employer contribution / active EE | $3,134 | $4,853-35.4% | $4,593-31.8% | $4,194-25.3% |
| Participant deferral / active EE | $5,656 | $8,237-31.3% | $7,906-28.5% | $6,396-11.6% |
| Admin fee / account holder | $2,367 | $14,976-84.2% | $13,708-82.7% | $12,562-81.2% |