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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 | $31,503 | $129,737-75.7% | $119,126-73.6% | $154,746-79.6% |
| Participation rate | 91.7% | 78.9%+12.8pp | 75.8%+15.9pp | 80.7%+11.0pp |
| Annual return | 8.38% | 379.08%-370.7pp | 282.11%-273.7pp | 172.34%-164.0pp |
| Employer contribution / active EE | $5,346 | $4,375+22.2% | $4,034+32.5% | $4,379+22.1% |
| Participant deferral / active EE | $6,722 | $5,842+15.1% | $5,318+26.4% | $6,730-0.1% |
| Admin fee / account holder | $1,432 | $11,961-88.0% | $10,693-86.6% | $14,365-90.0% |