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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 | $66,383 | $125,184-47.0% | $105,607-37.1% | $145,884-54.5% |
| Participation rate | 80.0% | 77.6%+2.4pp | 75.3%+4.7pp | 80.3%-0.3pp |
| Annual return | 8.18% | 225.00%-216.8pp | 116.11%-107.9pp | 551.85%-543.7pp |
| Employer contribution / active EE | $3,074 | $3,720-17.4% | $3,167-2.9% | $4,662-34.1% |
| Participant deferral / active EE | $7,069 | $5,714+23.7% | $5,011+41.1% | $6,690+5.7% |
| Admin fee / account holder | $956 | $17,133-94.4% | $10,958-91.3% | $13,392-92.9% |