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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 | $33,463 | $183,592-81.8% | $155,574-78.5% | $145,877-77.1% |
| Participation rate | 90.9% | 82.7%+8.2pp | 78.2%+12.7pp | 80.3%+10.6pp |
| Annual return | 7.30% | 61.37%-54.1pp | 64.87%-57.6pp | 551.28%-544.0pp |
| Employer contribution / active EE | $2,407 | $5,317-54.7% | $4,676-48.5% | $4,663-48.4% |
| Participant deferral / active EE | $3,928 | $6,466-39.3% | $5,629-30.2% | $6,691-41.3% |
| Admin fee / account holder | $2,104 | $19,316-89.1% | $15,914-86.8% | $13,402-84.3% |