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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 | $136,120 | $199,109-31.6% | $173,730-21.6% | $154,746-12.0% |
| Participation rate | 100.0% | 82.8%+17.2pp | 79.6%+20.4pp | 80.7%+19.3pp |
| Annual return | 8.38% | 20.02%-11.6pp | 19.96%-11.6pp | 172.34%-164.0pp |
| Employer contribution / active EE | $7,022 | $5,311+32.2% | $4,577+53.4% | $4,379+60.3% |
| Participant deferral / active EE | $3,407 | $7,113-52.1% | $6,326-46.1% | $6,730-49.4% |
| Admin fee / account holder | $3,340 | $20,916-84.0% | $17,523-80.9% | $14,365-76.7% |