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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 | $173,571 | $183,539-5.4% | $155,556+11.6% | $145,897+19.0% |
| Participation rate | 81.0% | 82.7%-1.8pp | 78.2%+2.7pp | 80.3%+0.6pp |
| Annual return | 8.59% | 61.31%-52.7pp | 64.84%-56.2pp | 552.29%-543.7pp |
| Employer contribution / active EE | $4,266 | $5,315-19.7% | $4,675-8.8% | $4,663-8.5% |
| Participant deferral / active EE | $4,717 | $6,467-27.1% | $5,631-16.2% | $6,689-29.5% |
| Admin fee / account holder | $3,058 | $19,275-84.1% | $15,885-80.7% | $13,390-77.2% |