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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 | $78,004 | $174,379-55.3% | $152,093-48.7% | $138,895-43.8% |
| Participation rate | 83.3% | 81.6%+1.7pp | 77.8%+5.6pp | 79.9%+3.4pp |
| Annual return | 10.96% | 74.86%-63.9pp | 66.36%-55.4pp | 145.39%-134.4pp |
| Employer contribution / active EE | $5,112 | $4,652+9.9% | $4,175+22.4% | $4,194+21.9% |
| Participant deferral / active EE | $7,763 | $6,159+26.0% | $5,451+42.4% | $6,396+21.4% |
| Admin fee / account holder | $11,837 | $16,880-29.9% | $14,497-18.3% | $12,562-5.8% |