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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 | $18,861 | $70,532-73.3% | $68,948-72.6% | $137,256-86.3% |
| Participation rate | 100.0% | 81.0%+19.0pp | 79.2%+20.8pp | 80.0%+20.0pp |
| Annual return | 13.70% | 32.56%-18.9pp | 28.39%-14.7pp | 220.34%-206.6pp |
| Employer contribution / active EE | $3,745 | $4,355-14.0% | $4,165-10.1% | $4,156-9.9% |
| Participant deferral / active EE | $880 | $6,773-87.0% | $6,186-85.8% | $6,407-86.3% |
| Admin fee / account holder | $853 | $7,916-89.2% | $7,539-88.7% | $12,270-93.0% |