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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 | $131,875 | $134,817-2.2% | $123,973+6.4% | $155,188-15.0% |
| Participation rate | 90.0% | 79.4%+10.6pp | 76.7%+13.3pp | 80.8%+9.2pp |
| Annual return | 4.82% | 515.49%-510.7pp | 388.13%-383.3pp | 148.84%-144.0pp |
| Employer contribution / active EE | $3,208 | $4,425-27.5% | $4,126-22.3% | $4,248-24.5% |
| Participant deferral / active EE | $10,933 | $5,706+91.6% | $5,247+108.4% | $6,531+67.4% |
| Admin fee / account holder | $775 | $13,245-94.1% | $11,799-93.4% | $14,480-94.6% |