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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 | $47,506 | $157,304-69.8% | $141,197-66.4% | $152,909-68.9% |
| Participation rate | 76.9% | 84.8%-7.9pp | 82.5%-5.6pp | 82.5%-5.5pp |
| Annual return | 14.07% | 64.34%-50.3pp | 71.41%-57.3pp | 345.46%-331.4pp |
| Employer contribution / active EE | $2,378 | $5,263-54.8% | $4,736-49.8% | $4,764-50.1% |
| Participant deferral / active EE | $8,299 | $7,111+16.7% | $6,710+23.7% | $5,851+41.8% |
| Admin fee / account holder | $2,417 | $12,126-80.1% | $10,265-76.4% | $11,601-79.2% |