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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 | $75,130 | $156,398-52.0% | $147,318-49.0% | $138,895-45.9% |
| Participation rate | 91.3% | 83.8%+7.5pp | 82.1%+9.2pp | 79.9%+11.4pp |
| Annual return | 11.33% | 78.75%-67.4pp | 70.43%-59.1pp | 145.39%-134.1pp |
| Employer contribution / active EE | $3,947 | $4,853-18.7% | $4,593-14.1% | $4,194-5.9% |
| Participant deferral / active EE | $5,929 | $8,237-28.0% | $7,906-25.0% | $6,396-7.3% |
| Admin fee / account holder | $7,907 | $14,976-47.2% | $13,708-42.3% | $12,562-37.1% |