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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 | $136,860-43.0% | $120,344-35.2% | $154,746-49.6% |
| Participation rate | 100.0% | 79.9%+20.1pp | 76.7%+23.3pp | 80.7%+19.3pp |
| Annual return | 3.18% | 21.38%-18.2pp | 20.30%-17.1pp | 172.34%-169.2pp |
| Employer contribution / active EE | $8,887 | $3,533+151.5% | $3,020+194.3% | $4,379+102.9% |
| Participant deferral / active EE | $4,659 | $5,793-19.6% | $5,135-9.3% | $6,730-30.8% |
| Admin fee / account holder | $1,211 | $15,393-92.1% | $12,742-90.5% | $14,365-91.6% |