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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 | $50,487 | $107,363-53.0% | $92,909-45.7% | $152,897-67.0% |
| Participation rate | 70.0% | 79.8%-9.8pp | 76.0%-6.0pp | 82.5%-12.5pp |
| Annual return | 11.27% | 145.63%-134.4pp | 109.44%-98.2pp | 345.43%-334.2pp |
| Employer contribution / active EE | $9,866 | $4,222+133.7% | $3,653+170.0% | $4,764+107.1% |
| Participant deferral / active EE | $4,364 | $4,848-10.0% | $4,238+3.0% | $5,851-25.4% |
| Admin fee / account holder | $2,351 | $7,082-66.8% | $5,795-59.4% | $11,599-79.7% |