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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 | $159,210 | $114,119+39.5% | $107,187+48.5% | $138,895+14.6% |
| Participation rate | 88.9% | 78.1%+10.8pp | 75.0%+13.9pp | 79.9%+9.0pp |
| Annual return | 9.58% | 273.21%-263.6pp | 204.55%-195.0pp | 145.39%-135.8pp |
| Employer contribution / active EE | $5,269 | $4,059+29.8% | $3,782+39.3% | $4,194+25.6% |
| Participant deferral / active EE | $18,112 | $5,538+227.1% | $5,096+255.4% | $6,396+183.2% |
| Admin fee / account holder | $389 | $10,024-96.1% | $9,162-95.8% | $12,562-96.9% |