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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 | $179,789 | $154,228+16.6% | $145,433+23.6% | $137,256+31.0% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 12.37% | 74.59%-62.2pp | 66.58%-54.2pp | 220.34%-208.0pp |
| Employer contribution / active EE | $2,563 | $4,804-46.7% | $4,554-43.7% | $4,156-38.3% |
| Participant deferral / active EE | $7,422 | $8,216-9.7% | $7,897-6.0% | $6,407+15.8% |
| Admin fee / account holder | $16,319 | $14,344+13.8% | $13,129+24.3% | $12,270+33.0% |