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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 | $38,045 | $183,627-79.3% | $155,602-75.5% | $145,978-73.9% |
| Participation rate | 78.3% | 82.7%-4.4pp | 78.2%+0.1pp | 80.3%-2.0pp |
| Annual return | 7.65% | 61.32%-53.7pp | 64.81%-57.2pp | 550.52%-542.9pp |
| Employer contribution / active EE | $1,814 | $5,316-65.9% | $4,675-61.2% | $4,662-61.1% |
| Participant deferral / active EE | $3,804 | $6,466-41.2% | $5,629-32.4% | $6,690-43.1% |
| Admin fee / account holder | $13,311 | $19,327-31.1% | $15,923-16.4% | $13,400-0.7% |