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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 | $210,463 | $156,398+34.6% | $147,318+42.9% | $138,895+51.5% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 79.9%+20.1pp |
| Annual return | 11.09% | 78.75%-67.7pp | 70.43%-59.3pp | 145.39%-134.3pp |
| Employer contribution / active EE | $6,770 | $4,853+39.5% | $4,593+47.4% | $4,194+61.4% |
| Participant deferral / active EE | $3,603 | $8,237-56.3% | $7,906-54.4% | $6,396-43.7% |
| Admin fee / account holder | $1,730 | $14,976-88.5% | $13,708-87.4% | $12,562-86.2% |