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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 | $227,033 | $154,193+47.2% | $130,045+74.6% | $139,466+62.8% |
| Participation rate | 90.9% | 82.0%+8.9pp | 78.5%+12.4pp | 80.3%+10.6pp |
| Annual return | 9.31% | 32.51%-23.2pp | -137.30%+146.6pp | 373.66%-364.4pp |
| Employer contribution / active EE | $4,431 | $5,292-16.3% | $4,321+2.5% | $4,754-6.8% |
| Participant deferral / active EE | $8,130 | $6,709+21.2% | $5,820+39.7% | $6,712+21.1% |
| Admin fee / account holder | $1,364 | $13,989-90.3% | $10,600-87.1% | $11,409-88.0% |