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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 | $112,730 | $117,895-4.4% | $102,460+10.0% | $145,897-22.7% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 7.58% | 31.92%-24.3pp | 29.47%-21.9pp | 552.29%-544.7pp |
| Employer contribution / active EE | $3,093 | $3,619-14.5% | $3,025+2.2% | $4,663-33.7% |
| Participant deferral / active EE | $5,336 | $5,736-7.0% | $5,056+5.5% | $6,689-20.2% |
| Admin fee / account holder | $1,473 | $13,353-89.0% | $9,460-84.4% | $13,390-89.0% |