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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 | $111,203 | $126,661-12.2% | $113,397-1.9% | $138,895-19.9% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.5%+23.5pp | 79.9%+20.1pp |
| Annual return | 9.43% | 25.05%-15.6pp | 23.20%-13.8pp | 145.39%-136.0pp |
| Employer contribution / active EE | $3,273 | $3,456-5.3% | $2,977+9.9% | $4,194-22.0% |
| Participant deferral / active EE | $15,759 | $5,693+176.8% | $5,076+210.4% | $6,396+146.4% |
| Admin fee / account holder | $22,571 | $14,549+55.1% | $11,957+88.8% | $12,562+79.7% |