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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 | $81,446+0.2% | $103,374-21.0% | $80,874+0.9% |
| Participation rate | 100.0% | 66.9%+33.1pp | 74.5%+25.5pp | 67.6%+32.4pp |
| Annual return | 8.89% | 25.57%-16.7pp | 24.89%-16.0pp | 35.62%-26.7pp |
| Employer contribution / active EE | $4,867 | $3,107+56.6% | $3,869+25.8% | $2,756+76.6% |
| Participant deferral / active EE | $4,349 | $3,870+12.4% | $5,058-14.0% | $4,297+1.2% |
| Admin fee / account holder | $8,860 | $6,715+31.9% | $8,394+5.6% | $6,935+27.8% |