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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 | $156,109 | $110,212+41.6% | $96,534+61.7% | $139,466+11.9% |
| Participation rate | 100.0% | 78.1%+21.9pp | 76.0%+24.0pp | 80.3%+19.7pp |
| Annual return | 7.26% | 26.42%-19.2pp | 25.88%-18.6pp | 373.66%-366.4pp |
| Employer contribution / active EE | $4,417 | $3,620+22.0% | $2,965+48.9% | $4,754-7.1% |
| Participant deferral / active EE | $8,388 | $5,547+51.2% | $4,851+72.9% | $6,712+25.0% |
| Admin fee / account holder | $2,190 | $11,599-81.1% | $8,253-73.5% | $11,409-80.8% |