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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 | $50,801 | $160,040-68.3% | $147,096-65.5% | $145,877-65.2% |
| Participation rate | 84.6% | 84.0%+0.6pp | 82.2%+2.4pp | 80.3%+4.3pp |
| Annual return | 8.98% | 98.49%-89.5pp | 419.75%-410.8pp | 551.28%-542.3pp |
| Employer contribution / active EE | $3,193 | $5,289-39.6% | $4,936-35.3% | $4,663-31.5% |
| Participant deferral / active EE | $2,977 | $8,429-64.7% | $8,071-63.1% | $6,691-55.5% |
| Admin fee / account holder | $2,470 | $15,050-83.6% | $13,005-81.0% | $13,402-81.6% |