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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 | $41,555 | $175,231-76.3% | $149,696-72.2% | $139,466-70.2% |
| Participation rate | 90.0% | 83.4%+6.6pp | 78.8%+11.2pp | 80.3%+9.7pp |
| Annual return | 7.79% | 166.77%-159.0pp | 134.46%-126.7pp | 373.66%-365.9pp |
| Employer contribution / active EE | $3,092 | $5,478-43.6% | $4,821-35.9% | $4,754-35.0% |
| Participant deferral / active EE | $6,567 | $6,521+0.7% | $5,682+15.6% | $6,712-2.2% |
| Admin fee / account holder | $2,418 | $16,155-85.0% | $13,212-81.7% | $11,409-78.8% |