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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 | $106,076 | $98,766+7.4% | $149,730-29.2% | $79,852+32.8% |
| Participation rate | 86.2% | 75.8%+10.4pp | 82.5%+3.7pp | 69.6%+16.6pp |
| Annual return | 4.86% | 27.43%-22.6pp | 276.70%-271.8pp | 31.72%-26.9pp |
| Employer contribution / active EE | $3,174 | $3,217-1.3% | $4,645-31.7% | $2,471+28.5% |
| Participant deferral / active EE | $8,129 | $5,681+43.1% | $6,843+18.8% | $3,740+117.3% |
| Admin fee / account holder | $2,657 | $6,052-56.1% | $9,310-71.5% | $5,306-49.9% |