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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 | $47,393 | $165,399-71.3% | $149,745-68.4% | $158,982-70.2% |
| Participation rate | 88.9% | 84.6%+4.3pp | 82.5%+6.4pp | 82.0%+6.9pp |
| Annual return | 2.17% | 348.34%-346.2pp | 276.72%-274.6pp | 302.99%-300.8pp |
| Employer contribution / active EE | $2,110 | $5,105-58.7% | $4,646-54.6% | $4,763-55.7% |
| Participant deferral / active EE | $6,785 | $7,183-5.5% | $6,843-0.8% | $5,983+13.4% |
| Admin fee / account holder | $1,292 | $10,811-88.1% | $9,312-86.1% | $11,252-88.5% |