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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 | $110,792 | $175,259-36.8% | $149,723-26.0% | $139,487-20.6% |
| Participation rate | 90.0% | 83.4%+6.6pp | 78.8%+11.2pp | 80.3%+9.7pp |
| Annual return | 8.21% | 166.82%-158.6pp | 134.50%-126.3pp | 373.84%-365.6pp |
| Employer contribution / active EE | $3,533 | $5,478-35.5% | $4,821-26.7% | $4,755-25.7% |
| Participant deferral / active EE | $8,552 | $6,522+31.1% | $5,682+50.5% | $6,713+27.4% |
| Admin fee / account holder | $3,360 | $16,158-79.2% | $13,215-74.6% | $11,407-70.5% |