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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 | $170,913 | $154,228+10.8% | $145,433+17.5% | $137,256+24.5% |
| Participation rate | 88.9% | 83.8%+5.1pp | 82.1%+6.8pp | 80.0%+8.9pp |
| Annual return | 5.29% | 74.59%-69.3pp | 66.58%-61.3pp | 220.34%-215.0pp |
| Employer contribution / active EE | $7,277 | $4,804+51.5% | $4,554+59.8% | $4,156+75.1% |
| Participant deferral / active EE | $7,203 | $8,216-12.3% | $7,897-8.8% | $6,407+12.4% |
| Admin fee / account holder | $51,211 | $14,344+257.0% | $13,129+290.1% | $12,270+317.4% |