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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 | $107,697 | $202,440-46.8% | $169,390-36.4% | $139,466-22.8% |
| Participation rate | 80.0% | 81.1%-1.1pp | 77.2%+2.8pp | 80.3%-0.3pp |
| Annual return | 7.57% | 532.36%-524.8pp | 406.07%-398.5pp | 373.66%-366.1pp |
| Employer contribution / active EE | $9,318 | $4,693+98.6% | $4,013+132.2% | $4,754+96.0% |
| Participant deferral / active EE | $4,448 | $6,940-35.9% | $6,222-28.5% | $6,712-33.7% |
| Admin fee / account holder | $474 | $10,722-95.6% | $9,015-94.7% | $11,409-95.8% |