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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 | $104,090 | $157,296-33.8% | $141,191-26.3% | $152,897-31.9% |
| Participation rate | 80.0% | 84.8%-4.8pp | 82.5%-2.5pp | 82.5%-2.5pp |
| Annual return | 11.31% | 64.34%-53.0pp | 71.41%-60.1pp | 345.43%-334.1pp |
| Employer contribution / active EE | $2,002 | $5,262-62.0% | $4,736-57.7% | $4,764-58.0% |
| Participant deferral / active EE | $10,434 | $7,111+46.7% | $6,710+55.5% | $5,851+78.3% |
| Admin fee / account holder | $590 | $12,125-95.1% | $10,264-94.3% | $11,599-94.9% |