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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 | $102,857 | $124,346-17.3% | $111,308-7.6% | $167,536-38.6% |
| Participation rate | 90.0% | 79.6%+10.4pp | 77.3%+12.7pp | 82.1%+7.9pp |
| Annual return | 6.08% | 37.45%-31.4pp | 54.67%-48.6pp | 478.82%-472.7pp |
| Employer contribution / active EE | $938 | $3,437-72.7% | $2,732-65.7% | $4,839-80.6% |
| Participant deferral / active EE | $2,327 | $5,182-55.1% | $4,487-48.1% | $6,342-63.3% |
| Admin fee / account holder | $4,012 | $10,621-62.2% | $7,965-49.6% | $12,315-67.4% |