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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 | $139,065 | $98,776+40.8% | $149,745-7.1% | $79,856+74.1% |
| Participation rate | 96.7% | 75.8%+20.9pp | 82.5%+14.2pp | 69.6%+27.0pp |
| Annual return | 11.79% | 27.38%-15.6pp | 276.72%-264.9pp | 31.71%-19.9pp |
| Employer contribution / active EE | $2,988 | $3,217-7.1% | $4,646-35.7% | $2,471+20.9% |
| Participant deferral / active EE | $5,675 | $5,681-0.1% | $6,843-17.1% | $3,741+51.7% |
| Admin fee / account holder | $5,207 | $6,053-14.0% | $9,312-44.1% | $5,306-1.9% |