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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 | $40,044 | $183,592-78.2% | $155,574-74.3% | $145,877-72.5% |
| Participation rate | 90.9% | 82.7%+8.2pp | 78.2%+12.7pp | 80.3%+10.6pp |
| Annual return | 6.38% | 61.37%-55.0pp | 64.87%-58.5pp | 551.28%-544.9pp |
| Employer contribution / active EE | $2,184 | $5,317-58.9% | $4,676-53.3% | $4,663-53.2% |
| Participant deferral / active EE | $3,305 | $6,466-48.9% | $5,629-41.3% | $6,691-50.6% |
| Admin fee / account holder | $2,617 | $19,316-86.5% | $15,914-83.6% | $13,402-80.5% |