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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 | $234,041 | $172,111+36.0% | $150,298+55.7% | $137,256+70.5% |
| Participation rate | 90.0% | 81.7%+8.3pp | 77.8%+12.2pp | 80.0%+10.0pp |
| Annual return | 9.73% | 69.37%-59.6pp | 62.79%-53.1pp | 220.34%-210.6pp |
| Employer contribution / active EE | $1,341 | $4,636-71.1% | $4,154-67.7% | $4,156-67.7% |
| Participant deferral / active EE | $3,240 | $6,166-47.5% | $5,453-40.6% | $6,407-49.4% |
| Admin fee / account holder | $2,258 | $16,471-86.3% | $14,116-84.0% | $12,270-81.6% |