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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 | $236,290 | $106,247+122.4% | $96,515+144.8% | $139,466+69.4% |
| Participation rate | 93.3% | 77.8%+15.5pp | 74.3%+19.0pp | 80.3%+13.0pp |
| Annual return | 7.75% | 38.47%-30.7pp | 35.73%-28.0pp | 373.66%-365.9pp |
| Employer contribution / active EE | $3,476 | $4,106-15.3% | $3,740-7.1% | $4,754-26.9% |
| Participant deferral / active EE | $11,156 | $5,456+104.5% | $4,880+128.6% | $6,712+66.2% |
| Admin fee / account holder | $1,331 | $7,885-83.1% | $6,735-80.2% | $11,409-88.3% |