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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 | $76,303 | $110,379-30.9% | $102,412-25.5% | $145,884-47.7% |
| Participation rate | 93.3% | 77.9%+15.4pp | 74.5%+18.8pp | 80.3%+13.0pp |
| Annual return | 8.92% | 24.84%-15.9pp | 24.94%-16.0pp | 551.85%-542.9pp |
| Employer contribution / active EE | $2,162 | $4,216-48.7% | $3,870-44.1% | $4,662-53.6% |
| Participant deferral / active EE | $3,215 | $5,622-42.8% | $5,060-36.5% | $6,690-51.9% |
| Admin fee / account holder | $3,205 | $9,745-67.1% | $8,388-61.8% | $13,392-76.1% |