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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 | $51,557 | $114,119-54.8% | $107,187-51.9% | $138,895-62.9% |
| Participation rate | 94.1% | 78.1%+16.0pp | 75.0%+19.1pp | 79.9%+14.2pp |
| Annual return | 11.16% | 273.21%-262.0pp | 204.55%-193.4pp | 145.39%-134.2pp |
| Employer contribution / active EE | $1,780 | $4,059-56.1% | $3,782-52.9% | $4,194-57.6% |
| Participant deferral / active EE | $3,245 | $5,538-41.4% | $5,096-36.3% | $6,396-49.3% |
| Admin fee / account holder | $4,124 | $10,024-58.9% | $9,162-55.0% | $12,562-67.2% |