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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 | $207,030 | $101,763+103.4% | $164,866+25.6% | $80,874+156.0% |
| Participation rate | 96.0% | 71.8%+24.2pp | 78.6%+17.4pp | 67.6%+28.4pp |
| Annual return | 5.01% | 16.73%-11.7pp | 69.97%-65.0pp | 35.62%-30.6pp |
| Employer contribution / active EE | $2,737 | $2,954-7.4% | $4,343-37.0% | $2,756-0.7% |
| Participant deferral / active EE | $5,025 | $4,477+12.2% | $6,033-16.7% | $4,297+16.9% |
| Admin fee / account holder | $3,681 | $8,228-55.3% | $12,689-71.0% | $6,935-46.9% |