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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 | $40,233 | $156,398-74.3% | $147,318-72.7% | $138,895-71.0% |
| Participation rate | 85.7% | 83.8%+2.0pp | 82.1%+3.6pp | 79.9%+5.8pp |
| Annual return | 8.11% | 78.75%-70.6pp | 70.43%-62.3pp | 145.39%-137.3pp |
| Employer contribution / active EE | $4,642 | $4,853-4.4% | $4,593+1.1% | $4,194+10.7% |
| Participant deferral / active EE | $5,920 | $8,237-28.1% | $7,906-25.1% | $6,396-7.5% |
| Admin fee / account holder | $36,778 | $14,976+145.6% | $13,708+168.3% | $12,562+192.8% |