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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 | $109,160 | $81,504+33.9% | $102,437+6.6% | $80,959+34.8% |
| Participation rate | 91.8% | 66.9%+25.0pp | 74.5%+17.3pp | 67.7%+24.1pp |
| Annual return | 0.93% | 25.60%-24.7pp | 24.95%-24.0pp | 35.67%-34.7pp |
| Employer contribution / active EE | $2,212 | $3,104-28.7% | $3,871-42.8% | $2,757-19.8% |
| Participant deferral / active EE | $5,146 | $3,871+32.9% | $5,060+1.7% | $4,300+19.7% |
| Admin fee / account holder | $8,641 | $6,719+28.6% | $8,388+3.0% | $6,925+24.8% |