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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 | $20,690 | $148,623-86.1% | $135,974-84.8% | $139,466-85.2% |
| Participation rate | 81.8% | 83.9%-2.0pp | 81.9%-0.1pp | 80.3%+1.5pp |
| Annual return | 11.87% | 79.30%-67.4pp | 68.30%-56.4pp | 373.66%-361.8pp |
| Employer contribution / active EE | $2,813 | $5,246-46.4% | $4,859-42.1% | $4,754-40.8% |
| Participant deferral / active EE | $3,715 | $8,103-54.2% | $7,760-52.1% | $6,712-44.7% |
| Admin fee / account holder | $3,458 | $12,406-72.1% | $10,767-67.9% | $11,409-69.7% |