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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 | $50,296 | $71,230-29.4% | $93,727-46.3% | $80,959-37.9% |
| Participation rate | 96.9% | 60.4%+36.5pp | 68.7%+28.2pp | 67.7%+29.2pp |
| Annual return | 9.94% | 11.26%-1.3pp | 133.83%-123.9pp | 35.67%-25.7pp |
| Employer contribution / active EE | $6,022 | $1,565+284.8% | $2,421+148.7% | $2,757+118.4% |
| Participant deferral / active EE | $1,730 | $4,037-57.1% | $4,417-60.8% | $4,300-59.8% |
| Admin fee / account holder | $6,953 | $6,961-0.1% | $8,292-16.1% | $6,925+0.4% |