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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 | $64,075 | $183,516-65.1% | $155,534-58.8% | $145,884-56.1% |
| Participation rate | 72.7% | 82.7%-10.0pp | 78.2%-5.5pp | 80.3%-7.6pp |
| Annual return | 8.26% | 61.43%-53.2pp | 64.92%-56.7pp | 551.85%-543.6pp |
| Employer contribution / active EE | $1,970 | $5,315-62.9% | $4,675-57.9% | $4,662-57.7% |
| Participant deferral / active EE | $2,584 | $6,467-60.0% | $5,630-54.1% | $6,690-61.4% |
| Admin fee / account holder | $28,723 | $19,293+48.9% | $15,900+80.7% | $13,392+114.5% |