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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 | $108,515 | $183,516-40.9% | $155,534-30.2% | $145,884-25.6% |
| Participation rate | 85.7% | 82.7%+3.0pp | 78.2%+7.5pp | 80.3%+5.4pp |
| Annual return | 7.05% | 61.43%-54.4pp | 64.92%-57.9pp | 551.85%-544.8pp |
| Employer contribution / active EE | $3,375 | $5,315-36.5% | $4,675-27.8% | $4,662-27.6% |
| Participant deferral / active EE | $4,504 | $6,467-30.3% | $5,630-20.0% | $6,690-32.7% |
| Admin fee / account holder | $1,235 | $19,293-93.6% | $15,900-92.2% | $13,392-90.8% |