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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 | $109,243 | $96,731+12.9% | $123,973-11.9% | $86,983+25.6% |
| Participation rate | 96.6% | 70.0%+26.5pp | 76.7%+19.9pp | 69.5%+27.0pp |
| Annual return | 11.02% | 17.33%-6.3pp | 388.13%-377.1pp | 25.83%-14.8pp |
| Employer contribution / active EE | $3,175 | $3,297-3.7% | $4,126-23.0% | $2,584+22.8% |
| Participant deferral / active EE | $3,366 | $4,152-18.9% | $5,247-35.8% | $4,194-19.7% |
| Admin fee / account holder | $5,691 | $8,722-34.8% | $11,799-51.8% | $7,856-27.6% |