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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 | $141,766 | $183,592-22.8% | $155,574-8.9% | $145,877-2.8% |
| Participation rate | 87.5% | 82.7%+4.8pp | 78.2%+9.3pp | 80.3%+7.2pp |
| Annual return | 8.57% | 61.37%-52.8pp | 64.87%-56.3pp | 551.28%-542.7pp |
| Employer contribution / active EE | $7,040 | $5,317+32.4% | $4,676+50.6% | $4,663+51.0% |
| Participant deferral / active EE | $4,242 | $6,466-34.4% | $5,629-24.6% | $6,691-36.6% |
| Admin fee / account holder | $1,688 | $19,316-91.3% | $15,914-89.4% | $13,402-87.4% |