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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 | $46,743 | $217,432-78.5% | $185,849-74.8% | $167,536-72.1% |
| Participation rate | 86.7% | 86.1%+0.6pp | 81.7%+5.0pp | 82.1%+4.6pp |
| Annual return | 6.48% | 148.42%-141.9pp | 122.10%-115.6pp | 478.82%-472.3pp |
| Employer contribution / active EE | $2,432 | $5,875-58.6% | $5,169-52.9% | $4,839-49.7% |
| Participant deferral / active EE | $4,641 | $6,357-27.0% | $5,569-16.7% | $6,342-26.8% |
| Admin fee / account holder | $4,190 | $19,818-78.9% | $16,244-74.2% | $12,315-66.0% |