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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 | $105,776 | $70,366+50.3% | $66,674+58.6% | $138,895-23.8% |
| Participation rate | 90.0% | 76.2%+13.8pp | 73.7%+16.3pp | 79.9%+10.1pp |
| Annual return | 13.13% | 386.41%-373.3pp | 321.24%-308.1pp | 145.39%-132.3pp |
| Employer contribution / active EE | $1,890 | $2,765-31.6% | $2,620-27.9% | $4,194-54.9% |
| Participant deferral / active EE | $5,533 | $4,374+26.5% | $4,084+35.5% | $6,396-13.5% |
| Admin fee / account holder | $1,415 | $5,262-73.1% | $5,098-72.2% | $12,562-88.7% |