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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 | $53,338 | $115,814-53.9% | $101,275-47.3% | $158,982-66.5% |
| Participation rate | 93.8% | 79.4%+14.4pp | 75.8%+17.9pp | 82.0%+11.8pp |
| Annual return | 6.26% | 56.16%-49.9pp | 46.48%-40.2pp | 302.99%-296.7pp |
| Employer contribution / active EE | $2,510 | $4,176-39.9% | $3,660-31.4% | $4,763-47.3% |
| Participant deferral / active EE | $2,035 | $4,958-59.0% | $4,371-53.5% | $5,983-66.0% |
| Admin fee / account holder | $1,073 | $7,249-85.2% | $5,948-82.0% | $11,252-90.5% |