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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 | $73,160 | $111,535-34.4% | $105,223-30.5% | $137,256-46.7% |
| Participation rate | 87.5% | 78.1%+9.4pp | 75.0%+12.5pp | 80.0%+7.5pp |
| Annual return | 10.93% | 237.85%-226.9pp | 180.65%-169.7pp | 220.34%-209.4pp |
| Employer contribution / active EE | $3,950 | $3,939+0.3% | $3,689+7.1% | $4,156-4.9% |
| Participant deferral / active EE | $5,844 | $5,500+6.3% | $5,072+15.2% | $6,407-8.8% |
| Admin fee / account holder | $6,634 | $9,721-31.8% | $8,859-25.1% | $12,270-45.9% |