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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 | $40,265 | $217,432-81.5% | $185,849-78.3% | $167,536-76.0% |
| Participation rate | 77.3% | 86.1%-8.8pp | 81.7%-4.4pp | 82.1%-4.8pp |
| Annual return | 7.98% | 148.42%-140.4pp | 122.10%-114.1pp | 478.82%-470.8pp |
| Employer contribution / active EE | $2,333 | $5,875-60.3% | $5,169-54.9% | $4,839-51.8% |
| Participant deferral / active EE | $4,102 | $6,357-35.5% | $5,569-26.3% | $6,342-35.3% |
| Admin fee / account holder | $6,912 | $19,818-65.1% | $16,244-57.4% | $12,315-43.9% |