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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 | $140,982 | $114,119+23.5% | $107,187+31.5% | $138,895+1.5% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 79.9%+20.1pp |
| Annual return | 8.86% | 273.21%-264.3pp | 204.55%-195.7pp | 145.39%-136.5pp |
| Employer contribution / active EE | $1,760 | $4,059-56.6% | $3,782-53.5% | $4,194-58.0% |
| Participant deferral / active EE | $4,736 | $5,538-14.5% | $5,096-7.1% | $6,396-26.0% |
| Admin fee / account holder | $12,657 | $10,024+26.3% | $9,162+38.1% | $12,562+0.8% |