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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 | $76,806 | $212,386-63.8% | $199,883-61.6% | $138,895-44.7% |
| Participation rate | 77.8% | 87.4%-9.6pp | 86.8%-9.0pp | 79.9%-2.1pp |
| Annual return | 9.64% | 47.75%-38.1pp | 43.81%-34.2pp | 145.39%-135.8pp |
| Employer contribution / active EE | $3,885 | $6,625-41.4% | $6,261-38.0% | $4,194-7.4% |
| Participant deferral / active EE | $4,524 | $9,617-53.0% | $9,138-50.5% | $6,396-29.3% |
| Admin fee / account holder | $80,576 | $18,233+341.9% | $17,268+366.6% | $12,562+541.4% |