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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 | $81,623 | $81,504+0.1% | $102,437-20.3% | $80,959+0.8% |
| Participation rate | 100.0% | 66.9%+33.1pp | 74.5%+25.5pp | 67.7%+32.3pp |
| Annual return | 8.89% | 25.60%-16.7pp | 24.95%-16.1pp | 35.67%-26.8pp |
| Employer contribution / active EE | $4,867 | $3,104+56.8% | $3,871+25.7% | $2,757+76.5% |
| Participant deferral / active EE | $4,349 | $3,871+12.4% | $5,060-14.1% | $4,300+1.1% |
| Admin fee / account holder | $8,860 | $6,719+31.9% | $8,388+5.6% | $6,925+27.9% |