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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 | $79,211 | $149,741-47.1% | $118,914-33.4% | $158,982-50.2% |
| Participation rate | 100.0% | 82.1%+17.9pp | 75.4%+24.6pp | 82.0%+18.0pp |
| Annual return | 2.98% | 19.94%-17.0pp | 35.89%-32.9pp | 302.99%-300.0pp |
| Employer contribution / active EE | $4,231 | $4,119+2.7% | $3,264+29.6% | $4,763-11.2% |
| Participant deferral / active EE | $4,278 | $5,226-18.1% | $4,266+0.3% | $5,983-28.5% |
| Admin fee / account holder | $1,143 | $8,607-86.7% | $6,582-82.6% | $11,252-89.8% |