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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 | $84,186 | $199,109-57.7% | $173,730-51.5% | $154,746-45.6% |
| Participation rate | 78.6% | 82.8%-4.2pp | 79.6%-1.0pp | 80.7%-2.1pp |
| Annual return | 4.36% | 20.02%-15.7pp | 19.96%-15.6pp | 172.34%-168.0pp |
| Employer contribution / active EE | $4,302 | $5,311-19.0% | $4,577-6.0% | $4,379-1.8% |
| Participant deferral / active EE | $9,969 | $7,113+40.2% | $6,326+57.6% | $6,730+48.1% |
| Admin fee / account holder | $1,968 | $20,916-90.6% | $17,523-88.8% | $14,365-86.3% |