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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 | $204,830 | $154,228+32.8% | $145,433+40.8% | $137,256+49.2% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 10.91% | 74.59%-63.7pp | 66.58%-55.7pp | 220.34%-209.4pp |
| Employer contribution / active EE | $3,268 | $4,804-32.0% | $4,554-28.2% | $4,156-21.4% |
| Participant deferral / active EE | $8,263 | $8,216+0.6% | $7,897+4.6% | $6,407+29.0% |
| Admin fee / account holder | $1,564 | $14,344-89.1% | $13,129-88.1% | $12,270-87.3% |