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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 | $178,530 | $58,258+206.4% | $81,820+118.2% | $80,925+120.6% |
| Participation rate | 72.7% | 63.5%+9.3pp | 72.4%+0.3pp | 67.7%+5.1pp |
| Annual return | 10.26% | 41.76%-31.5pp | 777.93%-767.7pp | 35.65%-25.4pp |
| Employer contribution / active EE | $3,020 | $2,345+28.7% | $2,915+3.6% | $2,756+9.6% |
| Participant deferral / active EE | $6,994 | $3,284+113.0% | $4,323+61.8% | $4,299+62.7% |
| Admin fee / account holder | $6,611 | $4,976+32.8% | $7,391-10.6% | $6,940-4.7% |