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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 | $54,233 | $91,559-40.8% | $133,971-59.5% | $79,852-32.1% |
| Participation rate | 80.0% | 73.3%+6.7pp | 79.8%+0.2pp | 69.6%+10.4pp |
| Annual return | 8.05% | 61.85%-53.8pp | 45.09%-37.0pp | 31.72%-23.7pp |
| Employer contribution / active EE | $6,142 | $2,384+157.6% | $3,919+56.7% | $2,471+148.5% |
| Participant deferral / active EE | $3,723 | $3,734-0.3% | $5,047-26.2% | $3,740-0.5% |
| Admin fee / account holder | $743 | $6,321-88.2% | $8,929-91.7% | $5,306-86.0% |