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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 | $88,569 | $223,823-60.4% | $211,142-58.1% | $154,746-42.8% |
| Participation rate | 100.0% | 87.9%+12.1pp | 87.3%+12.7pp | 80.7%+19.3pp |
| Annual return | 8.65% | 50.39%-41.7pp | 46.84%-38.2pp | 172.34%-163.7pp |
| Employer contribution / active EE | $2,166 | $6,787-68.1% | $6,442-66.4% | $4,379-50.5% |
| Participant deferral / active EE | $4,332 | $9,750-55.6% | $9,284-53.3% | $6,730-35.6% |
| Admin fee / account holder | $2,072 | $19,707-89.5% | $19,076-89.1% | $14,365-85.6% |