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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 | $64,313 | $154,228-58.3% | $145,433-55.8% | $137,256-53.1% |
| Participation rate | 91.7% | 83.8%+7.9pp | 82.1%+9.5pp | 80.0%+11.7pp |
| Annual return | 11.66% | 74.59%-62.9pp | 66.58%-54.9pp | 220.34%-208.7pp |
| Employer contribution / active EE | $6,483 | $4,804+34.9% | $4,554+42.3% | $4,156+56.0% |
| Participant deferral / active EE | $4,178 | $8,216-49.1% | $7,897-47.1% | $6,407-34.8% |
| Admin fee / account holder | $6,561 | $14,344-54.3% | $13,129-50.0% | $12,270-46.5% |