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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 | $52,275 | $181,896-71.3% | $156,551-66.6% | $273,972-80.9% |
| Participation rate | 71.4% | 88.4%-17.0pp | 84.0%-12.6pp | 83.0%-11.6pp |
| Annual return | 1.90% | 30.74%-28.8pp | 32.23%-30.3pp | 41.46%-39.6pp |
| Employer contribution / active EE | $0 | $6,248-100.0% | $5,501-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $3,656 | $5,550-34.1% | $4,871-24.9% | $5,287-30.8% |
| Admin fee / account holder | $3,090 | $15,560-80.1% | $13,028-76.3% | $10,133-69.5% |