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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 | $166,544 | $154,754+7.6% | $124,206+34.1% | $138,895+19.9% |
| Participation rate | 77.8% | 75.5%+2.3pp | 69.6%+8.2pp | 79.9%-2.1pp |
| Annual return | 4.49% | 709.28%-704.8pp | 515.27%-510.8pp | 145.39%-140.9pp |
| Employer contribution / active EE | $1,851 | $4,446-58.4% | $3,540-47.7% | $4,194-55.9% |
| Participant deferral / active EE | $5,489 | $4,621+18.8% | $3,968+38.3% | $6,396-14.2% |
| Admin fee / account holder | $2,260 | $6,690-66.2% | $5,929-61.9% | $12,562-82.0% |