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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 | $118,996 | $112,729+5.6% | $98,716+20.5% | $137,256-13.3% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.3%+30.7pp | 80.0%+20.0pp |
| Annual return | 9.81% | 38.48%-28.7pp | 31.81%-22.0pp | 220.34%-210.5pp |
| Employer contribution / active EE | $2,462 | $2,725-9.7% | $2,279+8.0% | $4,156-40.8% |
| Participant deferral / active EE | $6,126 | $4,640+32.0% | $4,048+51.3% | $6,407-4.4% |
| Admin fee / account holder | $1,617 | $10,129-84.0% | $8,703-81.4% | $12,270-86.8% |