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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 | $105,113 | $124,425-15.5% | $112,040-6.2% | $137,256-23.4% |
| Participation rate | 91.3% | 79.3%+12.0pp | 76.5%+14.8pp | 80.0%+11.3pp |
| Annual return | 10.10% | 24.72%-14.6pp | 24.52%-14.4pp | 220.34%-210.2pp |
| Employer contribution / active EE | $1,540 | $3,411-54.8% | $2,954-47.9% | $4,156-62.9% |
| Participant deferral / active EE | $7,856 | $5,718+37.4% | $5,098+54.1% | $6,407+22.6% |
| Admin fee / account holder | $1,576 | $15,207-89.6% | $12,098-87.0% | $12,270-87.2% |