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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 | $75,130 | $162,136-53.7% | $152,301-50.7% | $154,746-51.4% |
| Participation rate | 91.3% | 84.1%+7.2pp | 82.4%+8.9pp | 80.7%+10.6pp |
| Annual return | 11.33% | 91.02%-79.7pp | 80.50%-69.2pp | 172.34%-161.0pp |
| Employer contribution / active EE | $3,947 | $4,890-19.3% | $4,624-14.6% | $4,379-9.9% |
| Participant deferral / active EE | $5,929 | $8,341-28.9% | $8,004-25.9% | $6,730-11.9% |
| Admin fee / account holder | $7,907 | $15,759-49.8% | $14,398-45.1% | $14,365-45.0% |