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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 | $111,877 | $185,312-39.6% | $161,489-30.7% | $154,746-27.7% |
| Participation rate | 71.4% | 82.5%-11.0pp | 78.7%-7.3pp | 80.7%-9.3pp |
| Annual return | 9.03% | 103.84%-94.8pp | 89.72%-80.7pp | 172.34%-163.3pp |
| Employer contribution / active EE | $2,097 | $4,769-56.0% | $4,268-50.9% | $4,379-52.1% |
| Participant deferral / active EE | $4,800 | $6,350-24.4% | $5,630-14.7% | $6,730-28.7% |
| Admin fee / account holder | $1,455 | $18,654-92.2% | $16,006-90.9% | $14,365-89.9% |