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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 | $237,743 | $154,228+54.2% | $145,433+63.5% | $137,256+73.2% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 3.99% | 74.59%-70.6pp | 66.58%-62.6pp | 220.34%-216.3pp |
| Employer contribution / active EE | $5,615 | $4,804+16.9% | $4,554+23.3% | $4,156+35.1% |
| Participant deferral / active EE | $19,722 | $8,216+140.0% | $7,897+149.7% | $6,407+207.8% |
| Admin fee / account holder | $8,644 | $14,344-39.7% | $13,129-34.2% | $12,270-29.6% |