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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 | $83,247 | $176,786-52.9% | $146,643-43.2% | $167,536-50.3% |
| Participation rate | 72.7% | 83.6%-10.9pp | 80.1%-7.3pp | 82.1%-9.4pp |
| Annual return | 5.39% | 24.04%-18.6pp | 22.75%-17.4pp | 478.82%-473.4pp |
| Employer contribution / active EE | $5,401 | $5,161+4.6% | $4,137+30.6% | $4,839+11.6% |
| Participant deferral / active EE | $9,421 | $6,440+46.3% | $5,506+71.1% | $6,342+48.5% |
| Admin fee / account holder | $6,263 | $13,262-52.8% | $10,280-39.1% | $12,315-49.1% |