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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 | $78,218 | $110,410-29.2% | $102,437-23.6% | $145,897-46.4% |
| Participation rate | 93.3% | 77.9%+15.4pp | 74.5%+18.8pp | 80.3%+13.0pp |
| Annual return | 8.13% | 24.85%-16.7pp | 24.95%-16.8pp | 552.29%-544.2pp |
| Employer contribution / active EE | $8,738 | $4,217+107.2% | $3,871+125.7% | $4,663+87.4% |
| Participant deferral / active EE | $9,702 | $5,622+72.6% | $5,060+91.7% | $6,689+45.0% |
| Admin fee / account holder | $2,173 | $9,745-77.7% | $8,388-74.1% | $13,390-83.8% |