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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 | $137,934 | $77,920+77.0% | $149,723-7.9% | $75,177+83.5% |
| Participation rate | 96.7% | 65.6%+31.1pp | 78.8%+17.9pp | 67.2%+29.5pp |
| Annual return | 12.11% | 31.72%-19.6pp | 134.50%-122.4pp | 160.75%-148.6pp |
| Employer contribution / active EE | $12,700 | $3,138+304.7% | $4,821+163.4% | $2,671+375.5% |
| Participant deferral / active EE | $5,503 | $3,411+61.3% | $5,682-3.2% | $4,126+33.4% |
| Admin fee / account holder | $9,725 | $5,951+63.4% | $13,215-26.4% | $5,651+72.1% |