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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 | $28,160 | $157,304-82.1% | $141,197-80.1% | $152,909-81.6% |
| Participation rate | 76.9% | 84.8%-7.9pp | 82.5%-5.6pp | 82.5%-5.5pp |
| Annual return | 14.43% | 64.34%-49.9pp | 71.41%-57.0pp | 345.46%-331.0pp |
| Employer contribution / active EE | $2,007 | $5,263-61.9% | $4,736-57.6% | $4,764-57.9% |
| Participant deferral / active EE | $2,925 | $7,111-58.9% | $6,710-56.4% | $5,851-50.0% |
| Admin fee / account holder | $1,353 | $12,126-88.8% | $10,265-86.8% | $11,601-88.3% |