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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 | $121,598 | $112,729+7.9% | $98,716+23.2% | $137,256-11.4% |
| Participation rate | 90.9% | 74.2%+16.7pp | 69.3%+21.6pp | 80.0%+10.9pp |
| Annual return | 5.69% | 38.48%-32.8pp | 31.81%-26.1pp | 220.34%-214.6pp |
| Employer contribution / active EE | $13,402 | $2,725+391.8% | $2,279+488.2% | $4,156+222.5% |
| Participant deferral / active EE | $5,186 | $4,640+11.8% | $4,048+28.1% | $6,407-19.1% |
| Admin fee / account holder | $2,040 | $10,129-79.9% | $8,703-76.6% | $12,270-83.4% |