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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 | $242,286 | $183,592+32.0% | $155,574+55.7% | $145,877+66.1% |
| Participation rate | 73.3% | 82.7%-9.4pp | 78.2%-4.9pp | 80.3%-7.0pp |
| Annual return | 8.66% | 61.37%-52.7pp | 64.87%-56.2pp | 551.28%-542.6pp |
| Employer contribution / active EE | $1,780 | $5,317-66.5% | $4,676-61.9% | $4,663-61.8% |
| Participant deferral / active EE | $6,660 | $6,466+3.0% | $5,629+18.3% | $6,691-0.5% |
| Admin fee / account holder | $832 | $19,316-95.7% | $15,914-94.8% | $13,402-93.8% |