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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 | $34,118 | $175,259-80.5% | $149,723-77.2% | $139,487-75.5% |
| Participation rate | 87.5% | 83.4%+4.1pp | 78.8%+8.7pp | 80.3%+7.2pp |
| Annual return | 10.22% | 166.82%-156.6pp | 134.50%-124.3pp | 373.84%-363.6pp |
| Employer contribution / active EE | $3,696 | $5,478-32.5% | $4,821-23.3% | $4,755-22.3% |
| Participant deferral / active EE | $7,771 | $6,522+19.1% | $5,682+36.7% | $6,713+15.8% |
| Admin fee / account holder | $1,920 | $16,158-88.1% | $13,215-85.5% | $11,407-83.2% |