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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 | $154,228-51.3% | $145,433-48.3% | $137,256-45.3% |
| Participation rate | 91.3% | 83.8%+7.5pp | 82.1%+9.2pp | 80.0%+11.3pp |
| Annual return | 11.33% | 74.59%-63.3pp | 66.58%-55.2pp | 220.34%-209.0pp |
| Employer contribution / active EE | $3,947 | $4,804-17.8% | $4,554-13.3% | $4,156-5.0% |
| Participant deferral / active EE | $5,929 | $8,216-27.8% | $7,897-24.9% | $6,407-7.5% |
| Admin fee / account holder | $7,907 | $14,344-44.9% | $13,129-39.8% | $12,270-35.6% |