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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 | $59,602 | $108,942-45.3% | $100,415-40.6% | $145,897-59.1% |
| Participation rate | 71.4% | 83.0%-11.6pp | 81.5%-10.1pp | 80.3%-8.9pp |
| Annual return | 9.99% | 58.27%-48.3pp | 49.47%-39.5pp | 552.29%-542.3pp |
| Employer contribution / active EE | $1,762 | $4,422-60.2% | $3,943-55.3% | $4,663-62.2% |
| Participant deferral / active EE | $3,319 | $8,461-60.8% | $8,091-59.0% | $6,689-50.4% |
| Admin fee / account holder | $5,672 | $9,702-41.5% | $7,906-28.3% | $13,390-57.6% |