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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 | $76,343 | $183,592-58.4% | $155,567-50.9% | $145,959-47.7% |
| Participation rate | 80.0% | 82.7%-2.7pp | 78.2%+1.8pp | 80.3%-0.3pp |
| Annual return | 8.75% | 61.24%-52.5pp | 64.74%-56.0pp | 561.95%-553.2pp |
| Employer contribution / active EE | $4,556 | $5,315-14.3% | $4,674-2.5% | $4,661-2.2% |
| Participant deferral / active EE | $5,274 | $6,464-18.4% | $5,628-6.3% | $6,689-21.1% |
| Admin fee / account holder | $548 | $19,318-97.2% | $15,916-96.6% | $13,398-95.9% |