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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 | $116,933 | $184,014-36.5% | $161,149-27.4% | $138,895-15.8% |
| Participation rate | 90.9% | 82.1%+8.8pp | 78.8%+12.1pp | 79.9%+11.0pp |
| Annual return | 3.90% | 21.52%-17.6pp | 21.16%-17.3pp | 145.39%-141.5pp |
| Employer contribution / active EE | $2,109 | $5,055-58.3% | $4,360-51.6% | $4,194-49.7% |
| Participant deferral / active EE | $2,758 | $6,909-60.1% | $6,153-55.2% | $6,396-56.9% |
| Admin fee / account holder | $730 | $18,027-96.0% | $15,194-95.2% | $12,562-94.2% |