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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 | $81,114 | $165,361-50.9% | $149,715-45.8% | $158,950-49.0% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 2.23% | 348.24%-346.0pp | 276.66%-274.4pp | 302.91%-300.7pp |
| Employer contribution / active EE | $3,574 | $5,103-30.0% | $4,645-23.1% | $4,762-24.9% |
| Participant deferral / active EE | $6,559 | $7,182-8.7% | $6,842-4.1% | $5,983+9.6% |
| Admin fee / account holder | $2,355 | $10,808-78.2% | $9,310-74.7% | $11,248-79.1% |