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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 | $46,075 | $228,395-79.8% | $185,861-75.2% | $158,982-71.0% |
| Participation rate | 100.0% | 82.3%+17.7pp | 78.0%+22.0pp | 82.0%+18.0pp |
| Annual return | 4.38% | 40.82%-36.4pp | 35.96%-31.6pp | 302.99%-298.6pp |
| Employer contribution / active EE | $3,933 | $4,968-20.8% | $4,088-3.8% | $4,763-17.4% |
| Participant deferral / active EE | $6,330 | $6,417-1.4% | $5,634+12.4% | $5,983+5.8% |
| Admin fee / account holder | $567 | $11,869-95.2% | $9,503-94.0% | $11,252-95.0% |