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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 | $188,358 | $106,247+77.3% | $96,515+95.2% | $139,466+35.1% |
| Participation rate | 81.8% | 77.8%+4.0pp | 74.3%+7.5pp | 80.3%+1.5pp |
| Annual return | 10.88% | 38.47%-27.6pp | 35.73%-24.8pp | 373.66%-362.8pp |
| Employer contribution / active EE | $5,062 | $4,106+23.3% | $3,740+35.4% | $4,754+6.5% |
| Participant deferral / active EE | $3,174 | $5,456-41.8% | $4,880-34.9% | $6,712-52.7% |
| Admin fee / account holder | $8,218 | $7,885+4.2% | $6,735+22.0% | $11,409-28.0% |