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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 | $155,009 | $148,629+4.3% | $135,982+14.0% | $139,487+11.1% |
| Participation rate | 71.4% | 83.9%-12.4pp | 81.9%-10.5pp | 80.3%-8.9pp |
| Annual return | 6.53% | 79.33%-72.8pp | 68.32%-61.8pp | 373.84%-367.3pp |
| Employer contribution / active EE | $9,538 | $5,247+81.8% | $4,859+96.3% | $4,755+100.6% |
| Participant deferral / active EE | $7,651 | $8,102-5.6% | $7,760-1.4% | $6,713+14.0% |
| Admin fee / account holder | $825 | $12,406-93.4% | $10,767-92.3% | $11,407-92.8% |