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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 | $97,484 | $110,379-11.7% | $102,412-4.8% | $145,884-33.2% |
| Participation rate | 70.6% | 77.9%-7.3pp | 74.5%-3.9pp | 80.3%-9.7pp |
| Annual return | 8.34% | 24.84%-16.5pp | 24.94%-16.6pp | 551.85%-543.5pp |
| Employer contribution / active EE | $2,282 | $4,216-45.9% | $3,870-41.0% | $4,662-51.1% |
| Participant deferral / active EE | $6,401 | $5,622+13.9% | $5,060+26.5% | $6,690-4.3% |
| Admin fee / account holder | $1,936 | $9,745-80.1% | $8,388-76.9% | $13,392-85.5% |