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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 | $63,090 | $172,111-63.3% | $150,298-58.0% | $137,256-54.0% |
| Participation rate | 82.4% | 81.7%+0.6pp | 77.8%+4.6pp | 80.0%+2.4pp |
| Annual return | 10.07% | 69.37%-59.3pp | 62.79%-52.7pp | 220.34%-210.3pp |
| Employer contribution / active EE | $5,507 | $4,636+18.8% | $4,154+32.6% | $4,156+32.5% |
| Participant deferral / active EE | $6,468 | $6,166+4.9% | $5,453+18.6% | $6,407+1.0% |
| Admin fee / account holder | $478 | $16,471-97.1% | $14,116-96.6% | $12,270-96.1% |