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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 | $121,740 | $95,406+27.6% | $185,849-34.5% | $85,847+41.8% |
| Participation rate | 92.9% | 68.8%+24.1pp | 81.7%+11.1pp | 69.3%+23.5pp |
| Annual return | 10.57% | 23.59%-13.0pp | 122.10%-111.5pp | 318.61%-308.0pp |
| Employer contribution / active EE | $4,873 | $3,314+47.1% | $5,169-5.7% | $2,565+90.0% |
| Participant deferral / active EE | $3,205 | $3,424-6.4% | $5,569-42.4% | $3,952-18.9% |
| Admin fee / account holder | $1,272 | $7,214-82.4% | $16,244-92.2% | $6,261-79.7% |