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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 | $78,043 | $124,425-37.3% | $112,040-30.3% | $137,256-43.1% |
| Participation rate | 100.0% | 79.3%+20.7pp | 76.5%+23.5pp | 80.0%+20.0pp |
| Annual return | 3.18% | 24.72%-21.5pp | 24.52%-21.3pp | 220.34%-217.2pp |
| Employer contribution / active EE | $8,887 | $3,411+160.5% | $2,954+200.9% | $4,156+113.8% |
| Participant deferral / active EE | $4,659 | $5,718-18.5% | $5,098-8.6% | $6,407-27.3% |
| Admin fee / account holder | $1,211 | $15,207-92.0% | $12,098-90.0% | $12,270-90.1% |