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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 | $29,490 | $165,399-82.2% | $149,745-80.3% | $158,982-81.5% |
| Participation rate | 81.8% | 84.6%-2.8pp | 82.5%-0.7pp | 82.0%-0.1pp |
| Annual return | 4.34% | 348.34%-344.0pp | 276.72%-272.4pp | 302.99%-298.7pp |
| Employer contribution / active EE | $2,502 | $5,105-51.0% | $4,646-46.1% | $4,763-47.5% |
| Participant deferral / active EE | $3,771 | $7,183-47.5% | $6,843-44.9% | $5,983-37.0% |
| Admin fee / account holder | $3,444 | $10,811-68.1% | $9,312-63.0% | $11,252-69.4% |