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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 | $149,257 | $183,592-18.7% | $155,574-4.1% | $145,877+2.3% |
| Participation rate | 75.0% | 82.7%-7.7pp | 78.2%-3.2pp | 80.3%-5.3pp |
| Annual return | 6.28% | 61.37%-55.1pp | 64.87%-58.6pp | 551.28%-545.0pp |
| Employer contribution / active EE | $6,668 | $5,317+25.4% | $4,676+42.6% | $4,663+43.0% |
| Participant deferral / active EE | $3,838 | $6,466-40.7% | $5,629-31.8% | $6,691-42.6% |
| Admin fee / account holder | $6,087 | $19,316-68.5% | $15,914-61.8% | $13,402-54.6% |