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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 | $127,080 | $162,785-21.9% | $133,959-5.1% | $158,950-20.1% |
| Participation rate | 90.0% | 83.2%+6.8pp | 79.8%+10.2pp | 82.0%+8.0pp |
| Annual return | 0.95% | 41.94%-41.0pp | 45.09%-44.1pp | 302.91%-302.0pp |
| Employer contribution / active EE | $2,894 | $4,975-41.8% | $3,919-26.2% | $4,762-39.2% |
| Participant deferral / active EE | $4,093 | $5,910-30.7% | $5,047-18.9% | $5,983-31.6% |
| Admin fee / account holder | $797 | $11,738-93.2% | $8,928-91.1% | $11,248-92.9% |