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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 | $188,306 | $183,592+2.6% | $155,567+21.0% | $145,959+29.0% |
| Participation rate | 83.3% | 82.7%+0.7pp | 78.2%+5.1pp | 80.3%+3.0pp |
| Annual return | 8.52% | 61.24%-52.7pp | 64.74%-56.2pp | 561.95%-553.4pp |
| Employer contribution / active EE | $2,825 | $5,315-46.8% | $4,674-39.6% | $4,661-39.4% |
| Participant deferral / active EE | $10,683 | $6,464+65.3% | $5,628+89.8% | $6,689+59.7% |
| Admin fee / account holder | $1,724 | $19,318-91.1% | $15,916-89.2% | $13,398-87.1% |