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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 | $63,001 | $201,370-68.7% | $184,256-65.8% | $145,897-56.8% |
| Participation rate | 75.0% | 87.5%-12.5pp | 86.8%-11.8pp | 80.3%-5.3pp |
| Annual return | 8.89% | 29.05%-20.2pp | 28.85%-20.0pp | 552.29%-543.4pp |
| Employer contribution / active EE | $2,095 | $7,024-70.2% | $6,427-67.4% | $4,663-55.1% |
| Participant deferral / active EE | $4,087 | $9,808-58.3% | $9,133-55.3% | $6,689-38.9% |
| Admin fee / account holder | $927 | $16,364-94.3% | $13,899-93.3% | $13,390-93.1% |