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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 | $74,883 | $87,733-14.6% | $106,554-29.7% | $85,851-12.8% |
| Participation rate | 94.1% | 71.9%+22.2pp | 76.1%+18.0pp | 69.3%+24.8pp |
| Annual return | 10.01% | 21.86%-11.8pp | 26.80%-16.8pp | 318.63%-308.6pp |
| Employer contribution / active EE | $4,412 | $2,073+112.8% | $2,819+56.5% | $2,565+72.0% |
| Participant deferral / active EE | $2,581 | $3,469-25.6% | $4,398-41.3% | $3,952-34.7% |
| Admin fee / account holder | $1,237 | $6,767-81.7% | $7,408-83.3% | $6,261-80.2% |