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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 | $243,540 | $88,672+174.7% | $105,223+131.5% | $82,448+195.4% |
| Participation rate | 97.0% | 67.9%+29.0pp | 75.0%+21.9pp | 68.1%+28.9pp |
| Annual return | 11.12% | 30.86%-19.7pp | 180.65%-169.5pp | 41.64%-30.5pp |
| Employer contribution / active EE | $2,576 | $3,048-15.5% | $3,689-30.2% | $2,551+1.0% |
| Participant deferral / active EE | $6,500 | $4,036+61.0% | $5,072+28.2% | $4,139+57.0% |
| Admin fee / account holder | $13,130 | $7,146+83.7% | $8,859+48.2% | $7,234+81.5% |