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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 | $172,072 | $155,555+10.6% | $146,866+17.2% | $155,188+10.9% |
| Participation rate | 87.5% | 84.0%+3.5pp | 82.5%+5.0pp | 80.8%+6.7pp |
| Annual return | 9.38% | 115.41%-106.0pp | 102.85%-93.5pp | 148.84%-139.5pp |
| Employer contribution / active EE | $3,088 | $4,647-33.5% | $4,425-30.2% | $4,248-27.3% |
| Participant deferral / active EE | $9,544 | $8,044+18.6% | $7,759+23.0% | $6,531+46.1% |
| Admin fee / account holder | $49,527 | $14,755+235.7% | $13,620+263.6% | $14,480+242.0% |