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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 | $40,205 | $129,737-69.0% | $119,126-66.2% | $154,746-74.0% |
| Participation rate | 75.0% | 78.9%-3.9pp | 75.8%-0.8pp | 80.7%-5.7pp |
| Annual return | 8.58% | 379.08%-370.5pp | 282.11%-273.5pp | 172.34%-163.8pp |
| Employer contribution / active EE | $2,700 | $4,375-38.3% | $4,034-33.1% | $4,379-38.3% |
| Participant deferral / active EE | $5,548 | $5,842-5.0% | $5,318+4.3% | $6,730-17.6% |
| Admin fee / account holder | $419 | $11,961-96.5% | $10,693-96.1% | $14,365-97.1% |