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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 | $75,930 | $110,410-31.2% | $102,437-25.9% | $145,897-48.0% |
| Participation rate | 70.6% | 77.9%-7.3pp | 74.5%-3.9pp | 80.3%-9.7pp |
| Annual return | 8.00% | 24.85%-16.8pp | 24.95%-16.9pp | 552.29%-544.3pp |
| Employer contribution / active EE | $2,396 | $4,217-43.2% | $3,871-38.1% | $4,663-48.6% |
| Participant deferral / active EE | $8,140 | $5,622+44.8% | $5,060+60.9% | $6,689+21.7% |
| Admin fee / account holder | $11,876 | $9,745+21.9% | $8,388+41.6% | $13,390-11.3% |