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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 | $137,618 | $88,672+55.2% | $105,223+30.8% | $82,448+66.9% |
| Participation rate | 89.9% | 67.9%+21.9pp | 75.0%+14.8pp | 68.1%+21.8pp |
| Annual return | 12.73% | 30.86%-18.1pp | 180.65%-167.9pp | 41.64%-28.9pp |
| Employer contribution / active EE | $3,155 | $3,048+3.5% | $3,689-14.5% | $2,551+23.7% |
| Participant deferral / active EE | $8,921 | $4,036+121.1% | $5,072+75.9% | $4,139+115.5% |
| Admin fee / account holder | $8,001 | $7,146+12.0% | $8,859-9.7% | $7,234+10.6% |