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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 | $222,067 | $172,111+29.0% | $150,298+47.8% | $137,256+61.8% |
| Participation rate | 73.7% | 81.7%-8.0pp | 77.8%-4.1pp | 80.0%-6.3pp |
| Annual return | 8.49% | 69.37%-60.9pp | 62.79%-54.3pp | 220.34%-211.8pp |
| Employer contribution / active EE | $1,941 | $4,636-58.1% | $4,154-53.3% | $4,156-53.3% |
| Participant deferral / active EE | $5,890 | $6,166-4.5% | $5,453+8.0% | $6,407-8.1% |
| Admin fee / account holder | $3,745 | $16,471-77.3% | $14,116-73.5% | $12,270-69.5% |