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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 | $95,472 | $127,387-25.1% | $115,038-17.0% | $125,389-23.9% |
| Participation rate | 90.5% | 84.2%+6.3pp | 81.4%+9.1pp | 83.2%+7.3pp |
| Annual return | -3.75% | 31.28%-35.0pp | 26.14%-29.9pp | 282.24%-286.0pp |
| Employer contribution / active EE | $3,333 | $5,166-35.5% | $4,608-27.7% | $4,866-31.5% |
| Participant deferral / active EE | $4,309 | $6,423-32.9% | $6,026-28.5% | $5,352-19.5% |
| Admin fee / account holder | $8,915 | $9,516-6.3% | $8,175+9.0% | $9,541-6.6% |