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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 | $138,312-43.6% | $122,979-36.5% | $155,188-49.7% |
| Participation rate | 100.0% | 80.2%+19.8pp | 77.2%+22.8pp | 80.8%+19.2pp |
| Annual return | 3.18% | 22.06%-18.9pp | 20.12%-16.9pp | 148.84%-145.7pp |
| Employer contribution / active EE | $8,887 | $3,530+151.7% | $3,062+190.2% | $4,248+109.2% |
| Participant deferral / active EE | $4,659 | $5,592-16.7% | $5,003-6.9% | $6,531-28.7% |
| Admin fee / account holder | $1,211 | $15,089-92.0% | $12,864-90.6% | $14,480-91.6% |