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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 | $51,219 | $183,516-72.1% | $155,534-67.1% | $145,884-64.9% |
| Participation rate | 71.4% | 82.7%-11.3pp | 78.2%-6.8pp | 80.3%-8.9pp |
| Annual return | 4.82% | 61.43%-56.6pp | 64.92%-60.1pp | 551.85%-547.0pp |
| Employer contribution / active EE | $2,088 | $5,315-60.7% | $4,675-55.3% | $4,662-55.2% |
| Participant deferral / active EE | $4,527 | $6,467-30.0% | $5,630-19.6% | $6,690-32.3% |
| Admin fee / account holder | $2,179 | $19,293-88.7% | $15,900-86.3% | $13,392-83.7% |