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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 | $61,564 | $129,737-52.5% | $119,126-48.3% | $154,746-60.2% |
| Participation rate | 82.4% | 78.9%+3.5pp | 75.8%+6.6pp | 80.7%+1.7pp |
| Annual return | 8.23% | 379.08%-370.9pp | 282.11%-273.9pp | 172.34%-164.1pp |
| Employer contribution / active EE | $2,742 | $4,375-37.3% | $4,034-32.0% | $4,379-37.4% |
| Participant deferral / active EE | $3,976 | $5,842-31.9% | $5,318-25.2% | $6,730-40.9% |
| Admin fee / account holder | $9,962 | $11,961-16.7% | $10,693-6.8% | $14,365-30.7% |