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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 | $219,454 | $185,905+18.0% | $170,057+29.0% | $139,487+57.3% |
| Participation rate | 100.0% | 87.8%+12.2pp | 87.0%+13.0pp | 80.3%+19.7pp |
| Annual return | 8.91% | 60.56%-51.7pp | 53.42%-44.5pp | 373.84%-364.9pp |
| Employer contribution / active EE | $1,690 | $7,597-77.8% | $6,790-75.1% | $4,755-64.5% |
| Participant deferral / active EE | $7,248 | $11,627-37.7% | $10,411-30.4% | $6,713+8.0% |
| Admin fee / account holder | $1,390 | $15,397-91.0% | $12,826-89.2% | $11,407-87.8% |