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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 | $110,020 | $124,346-11.5% | $111,306-1.2% | $167,553-34.3% |
| Participation rate | 83.3% | 79.6%+3.7pp | 77.3%+6.0pp | 82.1%+1.2pp |
| Annual return | 6.91% | 37.46%-30.5pp | 54.67%-47.8pp | 478.89%-472.0pp |
| Employer contribution / active EE | $2,780 | $3,438-19.1% | $2,732+1.8% | $4,840-42.5% |
| Participant deferral / active EE | $6,641 | $5,182+28.2% | $4,488+48.0% | $6,343+4.7% |
| Admin fee / account holder | $2,196 | $10,623-79.3% | $7,966-72.4% | $12,316-82.2% |