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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 | $169,433 | $114,013+48.6% | $103,693+63.4% | $155,188+9.2% |
| Participation rate | 83.3% | 75.2%+8.1pp | 72.6%+10.7pp | 80.8%+2.5pp |
| Annual return | 6.56% | 49.31%-42.8pp | 47.61%-41.1pp | 148.84%-142.3pp |
| Employer contribution / active EE | $911 | $3,131-70.9% | $2,920-68.8% | $4,248-78.5% |
| Participant deferral / active EE | $5,612 | $4,970+12.9% | $4,579+22.5% | $6,531-14.1% |
| Admin fee / account holder | $1,819 | $8,407-78.4% | $7,858-76.9% | $14,480-87.4% |