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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 | $165,409 | $132,634+24.7% | $115,768+42.9% | $137,256+20.5% |
| Participation rate | 83.3% | 77.9%+5.5pp | 74.4%+8.9pp | 80.0%+3.4pp |
| Annual return | 9.46% | 160.70%-151.2pp | 100.46%-91.0pp | 220.34%-210.9pp |
| Employer contribution / active EE | $1,277 | $3,360-62.0% | $2,940-56.6% | $4,156-69.3% |
| Participant deferral / active EE | $5,309 | $5,619-5.5% | $4,917+8.0% | $6,407-17.1% |
| Admin fee / account holder | $1,915 | $15,028-87.3% | $12,439-84.6% | $12,270-84.4% |