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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 | $111,883 | $70,366+59.0% | $66,674+67.8% | $138,895-19.4% |
| Participation rate | 78.6% | 76.2%+2.4pp | 73.7%+4.9pp | 79.9%-1.3pp |
| Annual return | 5.27% | 386.41%-381.1pp | 321.24%-316.0pp | 145.39%-140.1pp |
| Employer contribution / active EE | $3,210 | $2,765+16.1% | $2,620+22.5% | $4,194-23.5% |
| Participant deferral / active EE | $8,805 | $4,374+101.3% | $4,084+115.6% | $6,396+37.7% |
| Admin fee / account holder | $2,369 | $5,262-55.0% | $5,098-53.5% | $12,562-81.1% |