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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 | $167,685 | $95,406+75.8% | $185,849-9.8% | $85,847+95.3% |
| Participation rate | 96.4% | 68.8%+27.7pp | 81.7%+14.7pp | 69.3%+27.1pp |
| Annual return | 8.61% | 23.59%-15.0pp | 122.10%-113.5pp | 318.61%-310.0pp |
| Employer contribution / active EE | $5,698 | $3,314+71.9% | $5,169+10.2% | $2,565+122.1% |
| Participant deferral / active EE | $5,806 | $3,424+69.6% | $5,569+4.3% | $3,952+46.9% |
| Admin fee / account holder | $1,139 | $7,214-84.2% | $16,244-93.0% | $6,261-81.8% |