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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 | $211,239-72.1% | $178,528-67.0% | $145,877-59.7% |
| Participation rate | 85.7% | 80.8%+4.9pp | 77.1%+8.6pp | 80.3%+5.4pp |
| Annual return | 7.50% | 30.22%-22.7pp | 27.11%-19.6pp | 551.28%-543.8pp |
| Employer contribution / active EE | $2,258 | $4,570-50.6% | $3,950-42.8% | $4,663-51.6% |
| Participant deferral / active EE | $3,041 | $6,963-56.3% | $6,278-51.6% | $6,691-54.5% |
| Admin fee / account holder | $1,812 | $12,095-85.0% | $10,419-82.6% | $13,402-86.5% |