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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 | $126,393 | $178,174-29.1% | $156,181-19.1% | $137,256-7.9% |
| Participation rate | 92.3% | 82.0%+10.3pp | 78.8%+13.5pp | 80.0%+12.3pp |
| Annual return | 9.10% | 84.19%-75.1pp | 64.87%-55.8pp | 220.34%-211.2pp |
| Employer contribution / active EE | $4,053 | $4,972-18.5% | $4,294-5.6% | $4,156-2.5% |
| Participant deferral / active EE | $5,885 | $6,888-14.6% | $6,132-4.0% | $6,407-8.1% |
| Admin fee / account holder | $7,431 | $17,404-57.3% | $14,586-49.1% | $12,270-39.4% |