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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 | $183,627+2.5% | $155,602+21.0% | $145,978+29.0% |
| Participation rate | 83.3% | 82.7%+0.6pp | 78.2%+5.1pp | 80.3%+3.0pp |
| Annual return | 8.52% | 61.32%-52.8pp | 64.81%-56.3pp | 550.52%-542.0pp |
| Employer contribution / active EE | $2,825 | $5,316-46.9% | $4,675-39.6% | $4,662-39.4% |
| Participant deferral / active EE | $10,683 | $6,466+65.2% | $5,629+89.8% | $6,690+59.7% |
| Admin fee / account holder | $1,724 | $19,327-91.1% | $15,923-89.2% | $13,400-87.1% |