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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 | $127,750 | $127,296+0.4% | $109,907+16.2% | $167,536-23.7% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.2%+25.8pp | 82.1%+17.9pp |
| Annual return | 6.86% | 22.97%-16.1pp | 29.46%-22.6pp | 478.82%-472.0pp |
| Employer contribution / active EE | $3,668 | $3,325+10.3% | $2,844+29.0% | $4,839-24.2% |
| Participant deferral / active EE | $1,335 | $4,513-70.4% | $4,047-67.0% | $6,342-79.0% |
| Admin fee / account holder | $5,358 | $7,119-24.7% | $6,069-11.7% | $12,315-56.5% |