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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 | $188,034 | $174,379+7.8% | $152,093+23.6% | $138,895+35.4% |
| Participation rate | 85.7% | 81.6%+4.1pp | 77.8%+7.9pp | 79.9%+5.8pp |
| Annual return | 10.36% | 74.86%-64.5pp | 66.36%-56.0pp | 145.39%-135.0pp |
| Employer contribution / active EE | $1,393 | $4,652-70.1% | $4,175-66.6% | $4,194-66.8% |
| Participant deferral / active EE | $4,895 | $6,159-20.5% | $5,451-10.2% | $6,396-23.5% |
| Admin fee / account holder | $1,070 | $16,880-93.7% | $14,497-92.6% | $12,562-91.5% |