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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 | $24,628 | $129,737-81.0% | $119,126-79.3% | $154,746-84.1% |
| Participation rate | 90.5% | 78.9%+11.6pp | 75.8%+14.7pp | 80.7%+9.8pp |
| Annual return | 4.23% | 379.08%-374.8pp | 282.11%-277.9pp | 172.34%-168.1pp |
| Employer contribution / active EE | $2,018 | $4,375-53.9% | $4,034-50.0% | $4,379-53.9% |
| Participant deferral / active EE | $1,856 | $5,842-68.2% | $5,318-65.1% | $6,730-72.4% |
| Admin fee / account holder | $1,758 | $11,961-85.3% | $10,693-83.6% | $14,365-87.8% |