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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 | $108,911-45.3% | $100,392-40.6% | $145,884-59.1% |
| Participation rate | 71.4% | 83.0%-11.5pp | 81.5%-10.1pp | 80.3%-8.9pp |
| Annual return | 9.99% | 58.23%-48.2pp | 49.45%-39.5pp | 551.85%-541.9pp |
| Employer contribution / active EE | $1,762 | $4,420-60.1% | $3,941-55.3% | $4,662-62.2% |
| Participant deferral / active EE | $3,319 | $8,459-60.8% | $8,090-59.0% | $6,690-50.4% |
| Admin fee / account holder | $5,672 | $9,698-41.5% | $7,904-28.2% | $13,392-57.6% |