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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 | $217,878 | $217,427+0.2% | $185,837+17.2% | $167,518+30.1% |
| Participation rate | 77.8% | 86.0%-8.3pp | 81.7%-3.9pp | 82.1%-4.3pp |
| Annual return | 7.56% | 148.39%-140.8pp | 122.08%-114.5pp | 478.71%-471.2pp |
| Employer contribution / active EE | $4,807 | $5,874-18.2% | $5,168-7.0% | $4,838-0.7% |
| Participant deferral / active EE | $3,706 | $6,357-41.7% | $5,568-33.5% | $6,342-41.6% |
| Admin fee / account holder | $5,461 | $19,816-72.4% | $16,241-66.4% | $12,312-55.6% |