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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 | $117,316 | $102,609+14.3% | $98,090+19.6% | $138,895-15.5% |
| Participation rate | 100.0% | 82.8%+17.2pp | 81.5%+18.5pp | 79.9%+20.1pp |
| Annual return | 9.86% | 36.44%-26.6pp | 37.05%-27.2pp | 145.39%-135.5pp |
| Employer contribution / active EE | $5,282 | $3,867+36.6% | $3,606+46.5% | $4,194+25.9% |
| Participant deferral / active EE | $11,751 | $8,167+43.9% | $7,845+49.8% | $6,396+83.7% |
| Admin fee / account holder | $645 | $11,434-94.4% | $11,815-94.5% | $12,562-94.9% |