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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 | $98,191 | $217,432-54.8% | $185,851-47.2% | $167,553-41.4% |
| Participation rate | 72.7% | 86.1%-13.3pp | 81.7%-9.0pp | 82.1%-9.4pp |
| Annual return | 8.80% | 148.43%-139.6pp | 122.11%-113.3pp | 478.89%-470.1pp |
| Employer contribution / active EE | $1,441 | $5,874-75.5% | $5,168-72.1% | $4,840-70.2% |
| Participant deferral / active EE | $5,003 | $6,357-21.3% | $5,569-10.2% | $6,343-21.1% |
| Admin fee / account holder | $3,962 | $19,820-80.0% | $16,245-75.6% | $12,316-67.8% |