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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 | $123,312 | $172,111-28.4% | $150,298-18.0% | $137,256-10.2% |
| Participation rate | 87.5% | 81.7%+5.8pp | 77.8%+9.7pp | 80.0%+7.5pp |
| Annual return | 7.33% | 69.37%-62.0pp | 62.79%-55.5pp | 220.34%-213.0pp |
| Employer contribution / active EE | $4,898 | $4,636+5.6% | $4,154+17.9% | $4,156+17.9% |
| Participant deferral / active EE | $3,441 | $6,166-44.2% | $5,453-36.9% | $6,407-46.3% |
| Admin fee / account holder | $405 | $16,471-97.5% | $14,116-97.1% | $12,270-96.7% |