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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 | $177,106 | $154,228+14.8% | $145,433+21.8% | $137,256+29.0% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 8.33% | 74.59%-66.3pp | 66.58%-58.2pp | 220.34%-212.0pp |
| Employer contribution / active EE | $3,143 | $4,804-34.6% | $4,554-31.0% | $4,156-24.4% |
| Participant deferral / active EE | $12,960 | $8,216+57.7% | $7,897+64.1% | $6,407+102.3% |
| Admin fee / account holder | $8,160 | $14,344-43.1% | $13,129-37.9% | $12,270-33.5% |