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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 | $77,687 | $162,136-52.1% | $152,301-49.0% | $154,746-49.8% |
| Participation rate | 78.3% | 84.1%-5.8pp | 82.4%-4.2pp | 80.7%-2.4pp |
| Annual return | 6.86% | 91.02%-84.2pp | 80.50%-73.6pp | 172.34%-165.5pp |
| Employer contribution / active EE | $0 | $4,890-100.0% | $4,624-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $11,002 | $8,341+31.9% | $8,004+37.5% | $6,730+63.5% |
| Admin fee / account holder | $63,923 | $15,759+305.6% | $14,398+344.0% | $14,365+345.0% |