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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 | $56,386 | $139,948-59.7% | $121,663-53.7% | $154,746-63.6% |
| Participation rate | 93.3% | 78.0%+15.3pp | 74.5%+18.8pp | 80.7%+12.6pp |
| Annual return | 7.73% | 230.52%-222.8pp | 147.54%-139.8pp | 172.34%-164.6pp |
| Employer contribution / active EE | $10,209 | $3,521+190.0% | $3,020+238.1% | $4,379+133.1% |
| Participant deferral / active EE | $3,375 | $5,629-40.0% | $4,887-30.9% | $6,730-49.9% |
| Admin fee / account holder | $4,361 | $17,321-74.8% | $14,289-69.5% | $14,365-69.6% |