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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 | $84,540 | $91,559-7.7% | $133,978-36.9% | $79,856+5.9% |
| Participation rate | 85.0% | 73.3%+11.7pp | 79.8%+5.2pp | 69.6%+15.4pp |
| Annual return | 9.47% | 61.85%-52.4pp | 45.10%-35.6pp | 31.71%-22.2pp |
| Employer contribution / active EE | $3,008 | $2,384+26.2% | $3,919-23.2% | $2,471+21.7% |
| Participant deferral / active EE | $8,595 | $3,734+130.2% | $5,047+70.3% | $3,741+129.8% |
| Admin fee / account holder | $7,210 | $6,321+14.1% | $8,930-19.3% | $5,306+35.9% |