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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 | $86,679 | $153,774-43.6% | $133,981-35.3% | $273,968-68.4% |
| Participation rate | 100.0% | 88.4%+11.6pp | 87.1%+12.9pp | 83.0%+17.0pp |
| Annual return | 0.61% | 36.51%-35.9pp | 29.30%-28.7pp | 41.45%-40.8pp |
| Employer contribution / active EE | $2,811 | $6,029-53.4% | $5,211-46.1% | $4,869-42.3% |
| Participant deferral / active EE | $19,570 | $6,958+181.3% | $6,282+211.5% | $5,287+270.1% |
| Admin fee / account holder | $1,950 | $11,765-83.4% | $9,324-79.1% | $10,132-80.8% |