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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 | $236,987 | $99,994+137.0% | $146,643+61.6% | $85,847+176.1% |
| Participation rate | 100.0% | 73.1%+26.9pp | 80.1%+19.9pp | 69.3%+30.7pp |
| Annual return | 9.37% | 18.93%-9.6pp | 22.75%-13.4pp | 318.61%-309.2pp |
| Employer contribution / active EE | $6,143 | $2,559+140.0% | $4,137+48.5% | $2,565+139.4% |
| Participant deferral / active EE | $11,159 | $4,006+178.5% | $5,506+102.7% | $3,952+182.3% |
| Admin fee / account holder | $3,469 | $7,703-55.0% | $10,280-66.3% | $6,261-44.6% |