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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 | $172,854 | $127,387+35.7% | $115,038+50.3% | $125,389+37.9% |
| Participation rate | 93.8% | 84.2%+9.6pp | 81.4%+12.4pp | 83.2%+10.6pp |
| Annual return | -3.55% | 31.28%-34.8pp | 26.14%-29.7pp | 282.24%-285.8pp |
| Employer contribution / active EE | $6,618 | $5,166+28.1% | $4,608+43.6% | $4,866+36.0% |
| Participant deferral / active EE | $5,156 | $6,423-19.7% | $6,026-14.4% | $5,352-3.6% |
| Admin fee / account holder | $420 | $9,516-95.6% | $8,175-94.9% | $9,541-95.6% |