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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 | $160,907 | $183,592-12.4% | $155,574+3.4% | $145,877+10.3% |
| Participation rate | 80.0% | 82.7%-2.7pp | 78.2%+1.8pp | 80.3%-0.3pp |
| Annual return | 8.30% | 61.37%-53.1pp | 64.87%-56.6pp | 551.28%-543.0pp |
| Employer contribution / active EE | $15,664 | $5,317+194.6% | $4,676+235.0% | $4,663+235.9% |
| Participant deferral / active EE | $10,523 | $6,466+62.7% | $5,629+86.9% | $6,691+57.3% |
| Admin fee / account holder | $2,141 | $19,316-88.9% | $15,914-86.5% | $13,402-84.0% |