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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 | $40,936 | $166,020-75.3% | $164,866-75.2% | $145,959-72.0% |
| Participation rate | 73.3% | 82.0%-8.7pp | 78.6%-5.3pp | 80.3%-7.0pp |
| Annual return | 7.85% | 100.08%-92.2pp | 69.97%-62.1pp | 561.95%-554.1pp |
| Employer contribution / active EE | $1,343 | $5,275-74.5% | $4,343-69.1% | $4,661-71.2% |
| Participant deferral / active EE | $3,270 | $6,961-53.0% | $6,033-45.8% | $6,689-51.1% |
| Admin fee / account holder | $1,740 | $16,644-89.5% | $12,689-86.3% | $13,398-87.0% |