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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 | $67,652 | $124,213-45.5% | $118,106-42.7% | $154,746-56.3% |
| Participation rate | 100.0% | 83.6%+16.4pp | 81.9%+18.1pp | 80.7%+19.3pp |
| Annual return | 8.87% | 18.29%-9.4pp | 19.44%-10.6pp | 172.34%-163.5pp |
| Employer contribution / active EE | $4,964 | $4,905+1.2% | $4,698+5.7% | $4,379+13.4% |
| Participant deferral / active EE | $2,713 | $6,859-60.4% | $6,619-59.0% | $6,730-59.7% |
| Admin fee / account holder | $4,582 | $9,627-52.4% | $8,973-48.9% | $14,365-68.1% |