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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 | $148,449 | $185,883-20.1% | $170,043-12.7% | $139,466+6.4% |
| Participation rate | 88.2% | 87.8%+0.5pp | 87.0%+1.2pp | 80.3%+7.9pp |
| Annual return | 10.59% | 60.54%-49.9pp | 53.40%-42.8pp | 373.66%-363.1pp |
| Employer contribution / active EE | $4,133 | $7,596-45.6% | $6,790-39.1% | $4,754-13.1% |
| Participant deferral / active EE | $11,657 | $11,626+0.3% | $10,410+12.0% | $6,712+73.7% |
| Admin fee / account holder | $397 | $15,393-97.4% | $12,824-96.9% | $11,409-96.5% |