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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 | $174,379+34.2% | $152,093+53.9% | $138,895+68.5% |
| Participation rate | 90.0% | 81.6%+8.4pp | 77.8%+12.2pp | 79.9%+10.1pp |
| Annual return | 9.73% | 74.86%-65.1pp | 66.36%-56.6pp | 145.39%-135.7pp |
| Employer contribution / active EE | $1,341 | $4,652-71.2% | $4,175-67.9% | $4,194-68.0% |
| Participant deferral / active EE | $3,240 | $6,159-47.4% | $5,451-40.6% | $6,396-49.3% |
| Admin fee / account holder | $2,258 | $16,880-86.6% | $14,497-84.4% | $12,562-82.0% |