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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 | $201,044 | $183,516+9.6% | $155,534+29.3% | $145,884+37.8% |
| Participation rate | 80.0% | 82.7%-2.7pp | 78.2%+1.8pp | 80.3%-0.3pp |
| Annual return | 7.93% | 61.43%-53.5pp | 64.92%-57.0pp | 551.85%-543.9pp |
| Employer contribution / active EE | $4,867 | $5,315-8.4% | $4,675+4.1% | $4,662+4.4% |
| Participant deferral / active EE | $7,531 | $6,467+16.5% | $5,630+33.8% | $6,690+12.6% |
| Admin fee / account holder | $8,183 | $19,293-57.6% | $15,900-48.5% | $13,392-38.9% |