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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 | $55,955 | $175,259-68.1% | $149,723-62.6% | $139,487-59.9% |
| Participation rate | 87.5% | 83.4%+4.1pp | 78.8%+8.7pp | 80.3%+7.2pp |
| Annual return | 3.42% | 166.82%-163.4pp | 134.50%-131.1pp | 373.84%-370.4pp |
| Employer contribution / active EE | $1,913 | $5,478-65.1% | $4,821-60.3% | $4,755-59.8% |
| Participant deferral / active EE | $2,112 | $6,522-67.6% | $5,682-62.8% | $6,713-68.5% |
| Admin fee / account holder | $6,297 | $16,158-61.0% | $13,215-52.4% | $11,407-44.8% |