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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 | $177,876 | $156,398+13.7% | $147,318+20.7% | $138,895+28.1% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 79.9%+20.1pp |
| Annual return | 11.09% | 78.75%-67.7pp | 70.43%-59.3pp | 145.39%-134.3pp |
| Employer contribution / active EE | $14,670 | $4,853+202.3% | $4,593+219.4% | $4,194+249.8% |
| Participant deferral / active EE | $10,342 | $8,237+25.5% | $7,906+30.8% | $6,396+61.7% |
| Admin fee / account holder | $1,043 | $14,976-93.0% | $13,708-92.4% | $12,562-91.7% |