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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 | $93,885 | $174,379-46.2% | $152,093-38.3% | $138,895-32.4% |
| Participation rate | 80.0% | 81.6%-1.6pp | 77.8%+2.2pp | 79.9%+0.1pp |
| Annual return | 9.93% | 74.86%-64.9pp | 66.36%-56.4pp | 145.39%-135.5pp |
| Employer contribution / active EE | $10,140 | $4,652+118.0% | $4,175+142.9% | $4,194+141.8% |
| Participant deferral / active EE | $6,449 | $6,159+4.7% | $5,451+18.3% | $6,396+0.8% |
| Admin fee / account holder | $1,621 | $16,880-90.4% | $14,497-88.8% | $12,562-87.1% |