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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 | $104,058 | $110,337-5.7% | $102,383+1.6% | $145,877-28.7% |
| Participation rate | 78.9% | 77.9%+1.0pp | 74.5%+4.4pp | 80.3%-1.4pp |
| Annual return | 8.67% | 24.83%-16.2pp | 24.94%-16.3pp | 551.28%-542.6pp |
| Employer contribution / active EE | $1,266 | $4,216-70.0% | $3,870-67.3% | $4,663-72.8% |
| Participant deferral / active EE | $2,570 | $5,621-54.3% | $5,060-49.2% | $6,691-61.6% |
| Admin fee / account holder | $1,873 | $9,750-80.8% | $8,391-77.7% | $13,402-86.0% |