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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 | $37,915 | $110,337-65.6% | $102,383-63.0% | $145,877-74.0% |
| Participation rate | 87.0% | 77.9%+9.0pp | 74.5%+12.4pp | 80.3%+6.7pp |
| Annual return | 6.41% | 24.83%-18.4pp | 24.94%-18.5pp | 551.28%-544.9pp |
| Employer contribution / active EE | $12,552 | $4,216+197.7% | $3,870+224.3% | $4,663+169.2% |
| Participant deferral / active EE | $3,005 | $5,621-46.5% | $5,060-40.6% | $6,691-55.1% |
| Admin fee / account holder | $769 | $9,750-92.1% | $8,391-90.8% | $13,402-94.3% |