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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 | $119,314 | $78,682+51.6% | $109,188+9.3% | $85,851+39.0% |
| Participation rate | 88.0% | 68.3%+19.7pp | 75.9%+12.1pp | 69.3%+18.7pp |
| Annual return | 9.99% | 25.09%-15.1pp | 25.76%-15.8pp | 318.63%-308.6pp |
| Employer contribution / active EE | $9,414 | $2,734+244.3% | $3,723+152.8% | $2,565+266.9% |
| Participant deferral / active EE | $3,300 | $3,468-4.8% | $4,654-29.1% | $3,952-16.5% |
| Admin fee / account holder | $723 | $5,470-86.8% | $6,755-89.3% | $6,261-88.5% |