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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 | $183,040 | $102,429+78.7% | $147,096+24.4% | $80,925+126.2% |
| Participation rate | 86.7% | 75.9%+10.8pp | 82.2%+4.5pp | 67.7%+19.0pp |
| Annual return | 9.26% | 135.02%-125.8pp | 419.75%-410.5pp | 35.65%-26.4pp |
| Employer contribution / active EE | $3,821 | $3,716+2.8% | $4,936-22.6% | $2,756+38.6% |
| Participant deferral / active EE | $7,582 | $6,649+14.0% | $8,071-6.1% | $4,299+76.4% |
| Admin fee / account holder | $8,522 | $7,957+7.1% | $13,005-34.5% | $6,940+22.8% |