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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 | $114,013-1.9% | $103,693+7.9% | $155,188-27.9% |
| Participation rate | 78.6% | 75.2%+3.4pp | 72.6%+5.9pp | 80.8%-2.2pp |
| Annual return | 5.27% | 49.31%-44.0pp | 47.61%-42.3pp | 148.84%-143.6pp |
| Employer contribution / active EE | $3,210 | $3,131+2.5% | $2,920+9.9% | $4,248-24.4% |
| Participant deferral / active EE | $8,805 | $4,970+77.2% | $4,579+92.3% | $6,531+34.8% |
| Admin fee / account holder | $2,369 | $8,407-71.8% | $7,858-69.9% | $14,480-83.6% |