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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 | $162,887 | $117,846+38.2% | $102,434+59.0% | $145,884+11.7% |
| Participation rate | 76.9% | 78.6%-1.7pp | 76.5%+0.4pp | 80.3%-3.4pp |
| Annual return | 8.44% | 31.90%-23.5pp | 29.46%-21.0pp | 551.85%-543.4pp |
| Employer contribution / active EE | $3,848 | $3,615+6.4% | $3,023+27.3% | $4,662-17.5% |
| Participant deferral / active EE | $9,401 | $5,733+64.0% | $5,055+86.0% | $6,690+40.5% |
| Admin fee / account holder | $3,198 | $13,356-76.1% | $9,462-66.2% | $13,392-76.1% |