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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 | $194,957 | $181,896+7.2% | $156,551+24.5% | $273,972-28.8% |
| Participation rate | 100.0% | 88.4%+11.6pp | 84.0%+16.0pp | 83.0%+17.0pp |
| Annual return | 0.53% | 30.74%-30.2pp | 32.23%-31.7pp | 41.46%-40.9pp |
| Employer contribution / active EE | $5,556 | $6,248-11.1% | $5,501+1.0% | $4,869+14.1% |
| Participant deferral / active EE | $2,279 | $5,550-58.9% | $4,871-53.2% | $5,287-56.9% |
| Admin fee / account holder | $20,065 | $15,560+29.0% | $13,028+54.0% | $10,133+98.0% |