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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 | $121,690 | $111,535+9.1% | $105,223+15.6% | $137,256-11.3% |
| Participation rate | 87.5% | 78.1%+9.4pp | 75.0%+12.5pp | 80.0%+7.5pp |
| Annual return | 11.05% | 237.85%-226.8pp | 180.65%-169.6pp | 220.34%-209.3pp |
| Employer contribution / active EE | $7,710 | $3,939+95.7% | $3,689+109.0% | $4,156+85.5% |
| Participant deferral / active EE | $7,467 | $5,500+35.8% | $5,072+47.2% | $6,407+16.5% |
| Admin fee / account holder | $2,568 | $9,721-73.6% | $8,859-71.0% | $12,270-79.1% |