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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 | $77,578 | $93,345-16.9% | $119,126-34.9% | $87,485-11.3% |
| Participation rate | 79.4% | 68.7%+10.7pp | 75.8%+3.7pp | 68.9%+10.5pp |
| Annual return | 11.26% | 19.08%-7.8pp | 282.11%-270.8pp | 26.06%-14.8pp |
| Employer contribution / active EE | $2,010 | $3,172-36.6% | $4,034-50.2% | $2,596-22.6% |
| Participant deferral / active EE | $3,974 | $4,099-3.0% | $5,318-25.3% | $4,274-7.0% |
| Admin fee / account holder | $9,324 | $8,039+16.0% | $10,693-12.8% | $7,775+19.9% |