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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 | $213,722 | $154,228+38.6% | $145,433+47.0% | $137,256+55.7% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 11.24% | 74.59%-63.3pp | 66.58%-55.3pp | 220.34%-209.1pp |
| Employer contribution / active EE | $3,694 | $4,804-23.1% | $4,554-18.9% | $4,156-11.1% |
| Participant deferral / active EE | $9,305 | $8,216+13.3% | $7,897+17.8% | $6,407+45.2% |
| Admin fee / account holder | $1,853 | $14,344-87.1% | $13,129-85.9% | $12,270-84.9% |