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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 | $185,312+26.3% | $161,489+44.9% | $154,746+51.2% |
| Participation rate | 90.0% | 82.5%+7.5pp | 78.7%+11.3pp | 80.7%+9.3pp |
| Annual return | 9.73% | 103.84%-94.1pp | 89.72%-80.0pp | 172.34%-162.6pp |
| Employer contribution / active EE | $1,341 | $4,769-71.9% | $4,268-68.6% | $4,379-69.4% |
| Participant deferral / active EE | $3,240 | $6,350-49.0% | $5,630-42.5% | $6,730-51.9% |
| Admin fee / account holder | $2,258 | $18,654-87.9% | $16,006-85.9% | $14,365-84.3% |