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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 | $149,011 | $217,432-31.5% | $185,851-19.8% | $167,553-11.1% |
| Participation rate | 82.4% | 86.1%-3.7pp | 81.7%+0.6pp | 82.1%+0.2pp |
| Annual return | 8.40% | 148.43%-140.0pp | 122.11%-113.7pp | 478.89%-470.5pp |
| Employer contribution / active EE | $3,529 | $5,874-39.9% | $5,168-31.7% | $4,840-27.1% |
| Participant deferral / active EE | $3,814 | $6,357-40.0% | $5,569-31.5% | $6,343-39.9% |
| Admin fee / account holder | $2,251 | $19,820-88.6% | $16,245-86.1% | $12,316-81.7% |