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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 | $214,708 | $162,136+32.4% | $152,301+41.0% | $154,746+38.7% |
| Participation rate | 100.0% | 84.1%+15.9pp | 82.4%+17.6pp | 80.7%+19.3pp |
| Annual return | 10.88% | 91.02%-80.1pp | 80.50%-69.6pp | 172.34%-161.5pp |
| Employer contribution / active EE | $2,609 | $4,890-46.6% | $4,624-43.6% | $4,379-40.4% |
| Participant deferral / active EE | $4,153 | $8,341-50.2% | $8,004-48.1% | $6,730-38.3% |
| Admin fee / account holder | $31,248 | $15,759+98.3% | $14,398+117.0% | $14,365+117.5% |