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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 | $114,449 | $154,228-25.8% | $145,433-21.3% | $137,256-16.6% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 10.55% | 74.59%-64.0pp | 66.58%-56.0pp | 220.34%-209.8pp |
| Employer contribution / active EE | $5,828 | $4,804+21.3% | $4,554+28.0% | $4,156+40.2% |
| Participant deferral / active EE | $10,503 | $8,216+27.8% | $7,897+33.0% | $6,407+63.9% |
| Admin fee / account holder | $16,184 | $14,344+12.8% | $13,129+23.3% | $12,270+31.9% |