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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 | $113,512 | $99,994+13.5% | $146,643-22.6% | $85,847+32.2% |
| Participation rate | 92.0% | 73.1%+18.9pp | 80.1%+11.9pp | 69.3%+22.7pp |
| Annual return | 11.14% | 18.93%-7.8pp | 22.75%-11.6pp | 318.61%-307.5pp |
| Employer contribution / active EE | $7,339 | $2,559+186.8% | $4,137+77.4% | $2,565+186.1% |
| Participant deferral / active EE | $5,217 | $4,006+30.2% | $5,506-5.3% | $3,952+32.0% |
| Admin fee / account holder | $405 | $7,703-94.7% | $10,280-96.1% | $6,261-93.5% |