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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 | $106,264 | $124,425-14.6% | $112,040-5.2% | $137,256-22.6% |
| Participation rate | 91.3% | 79.3%+12.0pp | 76.5%+14.8pp | 80.0%+11.3pp |
| Annual return | 9.44% | 24.72%-15.3pp | 24.52%-15.1pp | 220.34%-210.9pp |
| Employer contribution / active EE | $1,480 | $3,411-56.6% | $2,954-49.9% | $4,156-64.4% |
| Participant deferral / active EE | $5,789 | $5,718+1.2% | $5,098+13.6% | $6,407-9.6% |
| Admin fee / account holder | $23,516 | $15,207+54.6% | $12,098+94.4% | $12,270+91.7% |