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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 | $105,472 | $97,125+8.6% | $86,233+22.3% | $137,256-23.2% |
| Participation rate | 91.7% | 74.2%+17.5pp | 69.0%+22.6pp | 80.0%+11.7pp |
| Annual return | 5.39% | 74.19%-68.8pp | 61.39%-56.0pp | 220.34%-215.0pp |
| Employer contribution / active EE | $10,386 | $2,841+265.5% | $2,504+314.7% | $4,156+149.9% |
| Participant deferral / active EE | $10,168 | $5,180+96.3% | $4,559+123.0% | $6,407+58.7% |
| Admin fee / account holder | $9,018 | $9,725-7.3% | $8,342+8.1% | $12,270-26.5% |