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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 | $25,982 | $175,259-85.2% | $149,723-82.6% | $139,487-81.4% |
| Participation rate | 76.9% | 83.4%-6.5pp | 78.8%-1.9pp | 80.3%-3.4pp |
| Annual return | 10.07% | 166.82%-156.8pp | 134.50%-124.4pp | 373.84%-363.8pp |
| Employer contribution / active EE | $6,075 | $5,478+10.9% | $4,821+26.0% | $4,755+27.8% |
| Participant deferral / active EE | $2,723 | $6,522-58.2% | $5,682-52.1% | $6,713-59.4% |
| Admin fee / account holder | $750 | $16,158-95.4% | $13,215-94.3% | $11,407-93.4% |