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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 | $182,272 | $114,119+59.7% | $107,187+70.0% | $138,895+31.2% |
| Participation rate | 94.4% | 78.1%+16.4pp | 75.0%+19.4pp | 79.9%+14.5pp |
| Annual return | 8.51% | 273.21%-264.7pp | 204.55%-196.0pp | 145.39%-136.9pp |
| Employer contribution / active EE | $3,729 | $4,059-8.1% | $3,782-1.4% | $4,194-11.1% |
| Participant deferral / active EE | $5,487 | $5,538-0.9% | $5,096+7.7% | $6,396-14.2% |
| Admin fee / account holder | $1,180 | $10,024-88.2% | $9,162-87.1% | $12,562-90.6% |