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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 | $199,827 | $157,304+27.0% | $141,197+41.5% | $152,909+30.7% |
| Participation rate | 88.9% | 84.8%+4.1pp | 82.5%+6.4pp | 82.5%+6.4pp |
| Annual return | 9.80% | 64.34%-54.5pp | 71.41%-61.6pp | 345.46%-335.7pp |
| Employer contribution / active EE | $3,309 | $5,263-37.1% | $4,736-30.1% | $4,764-30.5% |
| Participant deferral / active EE | $4,620 | $7,111-35.0% | $6,710-31.2% | $5,851-21.0% |
| Admin fee / account holder | $25,034 | $12,126+106.4% | $10,265+143.9% | $11,601+115.8% |