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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 | $155,553 | $209,336-25.7% | $197,124-21.1% | $137,256+13.3% |
| Participation rate | 100.0% | 87.3%+12.7pp | 86.7%+13.3pp | 80.0%+20.0pp |
| Annual return | 8.13% | 48.09%-40.0pp | 44.34%-36.2pp | 220.34%-212.2pp |
| Employer contribution / active EE | $3,571 | $6,591-45.8% | $6,227-42.7% | $4,156-14.1% |
| Participant deferral / active EE | $11,518 | $9,614+19.8% | $9,135+26.1% | $6,407+79.8% |
| Admin fee / account holder | $1,585 | $17,308-90.8% | $16,298-90.3% | $12,270-87.1% |