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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 | $107,281 | $124,425-13.8% | $112,040-4.2% | $137,256-21.8% |
| Participation rate | 80.0% | 79.3%+0.7pp | 76.5%+3.5pp | 80.0%0pp |
| Annual return | 8.03% | 24.72%-16.7pp | 24.52%-16.5pp | 220.34%-212.3pp |
| Employer contribution / active EE | $3,290 | $3,411-3.5% | $2,954+11.4% | $4,156-20.8% |
| Participant deferral / active EE | $7,222 | $5,718+26.3% | $5,098+41.7% | $6,407+12.7% |
| Admin fee / account holder | $8,783 | $15,207-42.2% | $12,098-27.4% | $12,270-28.4% |