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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 | $157,391 | $157,270+0.1% | $141,173+11.5% | $152,870+3.0% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.4%+17.6pp |
| Annual return | 13.07% | 64.33%-51.3pp | 71.40%-58.3pp | 345.34%-332.3pp |
| Employer contribution / active EE | $2,814 | $5,261-46.5% | $4,735-40.6% | $4,763-40.9% |
| Participant deferral / active EE | $10,499 | $7,110+47.7% | $6,710+56.5% | $5,850+79.5% |
| Admin fee / account holder | $10,014 | $12,121-17.4% | $10,262-2.4% | $11,597-13.6% |