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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 | $135,322 | $115,225+17.4% | $100,712+34.4% | $138,895-2.6% |
| Participation rate | 91.3% | 74.3%+17.0pp | 69.3%+22.0pp | 79.9%+11.4pp |
| Annual return | -0.92% | 40.35%-41.3pp | 33.27%-34.2pp | 145.39%-146.3pp |
| Employer contribution / active EE | $1,739 | $2,771-37.2% | $2,313-24.8% | $4,194-58.5% |
| Participant deferral / active EE | $2,658 | $4,699-43.4% | $4,085-34.9% | $6,396-58.4% |
| Admin fee / account holder | $2,331 | $10,844-78.5% | $9,256-74.8% | $12,562-81.4% |