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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 | $82,424 | $136,860-39.8% | $120,344-31.5% | $154,746-46.7% |
| Participation rate | 100.0% | 79.9%+20.1pp | 76.7%+23.3pp | 80.7%+19.3pp |
| Annual return | 7.84% | 21.38%-13.5pp | 20.30%-12.5pp | 172.34%-164.5pp |
| Employer contribution / active EE | $10,112 | $3,533+186.2% | $3,020+234.8% | $4,379+130.9% |
| Participant deferral / active EE | $6,656 | $5,793+14.9% | $5,135+29.6% | $6,730-1.1% |
| Admin fee / account holder | $8,508 | $15,393-44.7% | $12,742-33.2% | $14,365-40.8% |