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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 | $49,841 | $175,231-71.6% | $149,696-66.7% | $139,466-64.3% |
| Participation rate | 81.3% | 83.4%-2.1pp | 78.8%+2.5pp | 80.3%+0.9pp |
| Annual return | 8.68% | 166.77%-158.1pp | 134.46%-125.8pp | 373.66%-365.0pp |
| Employer contribution / active EE | $2,442 | $5,478-55.4% | $4,821-49.3% | $4,754-48.6% |
| Participant deferral / active EE | $4,923 | $6,521-24.5% | $5,682-13.4% | $6,712-26.6% |
| Admin fee / account holder | $915 | $16,155-94.3% | $13,212-93.1% | $11,409-92.0% |