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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 | $160,723 | $175,231-8.3% | $149,696+7.4% | $139,466+15.2% |
| Participation rate | 72.7% | 83.4%-10.7pp | 78.8%-6.0pp | 80.3%-7.6pp |
| Annual return | 4.70% | 166.77%-162.1pp | 134.46%-129.8pp | 373.66%-369.0pp |
| Employer contribution / active EE | $3,863 | $5,478-29.5% | $4,821-19.9% | $4,754-18.7% |
| Participant deferral / active EE | $1,973 | $6,521-69.7% | $5,682-65.3% | $6,712-70.6% |
| Admin fee / account holder | $2,772 | $16,155-82.8% | $13,212-79.0% | $11,409-75.7% |