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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 | $71,208-29.4% | $93,681-46.3% | $80,911-37.8% |
| Participation rate | 96.9% | 60.4%+36.5pp | 68.7%+28.1pp | 67.6%+29.2pp |
| Annual return | 9.94% | 11.27%-1.3pp | 133.47%-123.5pp | 35.63%-25.7pp |
| Employer contribution / active EE | $6,022 | $1,564+284.9% | $2,422+148.6% | $2,756+118.5% |
| Participant deferral / active EE | $1,730 | $4,035-57.1% | $4,415-60.8% | $4,297-59.7% |
| Admin fee / account holder | $6,953 | $6,9510% | $8,290-16.1% | $6,935+0.3% |