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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 | $77,093 | $98,776-22.0% | $149,745-48.5% | $79,856-3.5% |
| Participation rate | 76.3% | 75.8%+0.5pp | 82.5%-6.2pp | 69.6%+6.7pp |
| Annual return | 9.02% | 27.38%-18.4pp | 276.72%-267.7pp | 31.71%-22.7pp |
| Employer contribution / active EE | $0 | $3,217-100.0% | $4,646-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $3,281 | $5,681-42.3% | $6,843-52.1% | $3,741-12.3% |
| Admin fee / account holder | $915 | $6,053-84.9% | $9,312-90.2% | $5,306-82.8% |