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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 | $94,743 | $217,432-56.4% | $185,849-49.0% | $167,536-43.4% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 6.18% | 148.42%-142.2pp | 122.10%-115.9pp | 478.82%-472.6pp |
| Employer contribution / active EE | $4,586 | $5,875-21.9% | $5,169-11.3% | $4,839-5.2% |
| Participant deferral / active EE | $5,484 | $6,357-13.7% | $5,569-1.5% | $6,342-13.5% |
| Admin fee / account holder | $6,694 | $19,818-66.2% | $16,244-58.8% | $12,315-45.6% |