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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 | $77,569 | $107,368-27.8% | $92,915-16.5% | $152,909-49.3% |
| Participation rate | 95.7% | 79.8%+15.9pp | 76.0%+19.6pp | 82.5%+13.2pp |
| Annual return | 7.74% | 145.64%-137.9pp | 109.45%-101.7pp | 345.46%-337.7pp |
| Employer contribution / active EE | $1,953 | $4,222-53.8% | $3,653-46.6% | $4,764-59.0% |
| Participant deferral / active EE | $2,381 | $4,848-50.9% | $4,238-43.8% | $5,851-59.3% |
| Admin fee / account holder | $1,737 | $7,082-75.5% | $5,796-70.0% | $11,601-85.0% |