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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 | $184,014-54.3% | $161,149-47.8% | $138,895-39.4% |
| Participation rate | 78.6% | 82.1%-3.5pp | 78.8%-0.3pp | 79.9%-1.3pp |
| Annual return | 4.36% | 21.52%-17.2pp | 21.16%-16.8pp | 145.39%-141.0pp |
| Employer contribution / active EE | $4,302 | $5,055-14.9% | $4,360-1.3% | $4,194+2.6% |
| Participant deferral / active EE | $9,969 | $6,909+44.3% | $6,153+62.0% | $6,396+55.9% |
| Admin fee / account holder | $1,968 | $18,027-89.1% | $15,194-87.0% | $12,562-84.3% |