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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 | $58,838 | $210,698-72.1% | $178,014-66.9% | $145,959-59.7% |
| Participation rate | 85.7% | 80.8%+5.0pp | 77.1%+8.6pp | 80.3%+5.4pp |
| Annual return | 7.50% | 386.27%-378.8pp | 294.80%-287.3pp | 561.95%-554.5pp |
| Employer contribution / active EE | $2,258 | $4,567-50.6% | $3,950-42.8% | $4,661-51.5% |
| Participant deferral / active EE | $3,041 | $6,958-56.3% | $6,276-51.5% | $6,689-54.5% |
| Admin fee / account holder | $1,812 | $12,016-84.9% | $10,362-82.5% | $13,398-86.5% |