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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 | $63,880 | $172,111-62.9% | $150,298-57.5% | $137,256-53.5% |
| Participation rate | 76.9% | 81.7%-4.8pp | 77.8%-0.8pp | 80.0%-3.0pp |
| Annual return | 6.36% | 69.37%-63.0pp | 62.79%-56.4pp | 220.34%-214.0pp |
| Employer contribution / active EE | $3,141 | $4,636-32.3% | $4,154-24.4% | $4,156-24.4% |
| Participant deferral / active EE | $0 | $6,166-100.0% | $5,453-100.0% | $6,407-100.0% |
| Admin fee / account holder | $1,425 | $16,471-91.4% | $14,116-89.9% | $12,270-88.4% |