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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 | $70,240 | $175,231-59.9% | $149,696-53.1% | $139,466-49.6% |
| Participation rate | 72.7% | 83.4%-10.7pp | 78.8%-6.0pp | 80.3%-7.6pp |
| Annual return | 9.87% | 166.77%-156.9pp | 134.46%-124.6pp | 373.66%-363.8pp |
| Employer contribution / active EE | $1,565 | $5,478-71.4% | $4,821-67.5% | $4,754-67.1% |
| Participant deferral / active EE | $2,003 | $6,521-69.3% | $5,682-64.8% | $6,712-70.2% |
| Admin fee / account holder | $1,007 | $16,155-93.8% | $13,212-92.4% | $11,409-91.2% |