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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 | $86,867 | $185,312-53.1% | $161,489-46.2% | $154,746-43.9% |
| Participation rate | 90.5% | 82.5%+8.0pp | 78.7%+11.8pp | 80.7%+9.8pp |
| Annual return | 5.73% | 103.84%-98.1pp | 89.72%-84.0pp | 172.34%-166.6pp |
| Employer contribution / active EE | $5,055 | $4,769+6.0% | $4,268+18.4% | $4,379+15.4% |
| Participant deferral / active EE | $6,533 | $6,350+2.9% | $5,630+16.0% | $6,730-2.9% |
| Admin fee / account holder | $2,226 | $18,654-88.1% | $16,006-86.1% | $14,365-84.5% |