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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 | $101,273 | $112,729-10.2% | $98,716+2.6% | $137,256-26.2% |
| Participation rate | 88.9% | 74.2%+14.7pp | 69.3%+19.6pp | 80.0%+8.9pp |
| Annual return | 7.58% | 38.48%-30.9pp | 31.81%-24.2pp | 220.34%-212.8pp |
| Employer contribution / active EE | $1,755 | $2,725-35.6% | $2,279-23.0% | $4,156-57.8% |
| Participant deferral / active EE | $2,860 | $4,640-38.4% | $4,048-29.3% | $6,407-55.4% |
| Admin fee / account holder | $1,020 | $10,129-89.9% | $8,703-88.3% | $12,270-91.7% |