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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 | $151,361 | $174,379-13.2% | $152,093-0.5% | $138,895+9.0% |
| Participation rate | 88.9% | 81.6%+7.2pp | 77.8%+11.1pp | 79.9%+9.0pp |
| Annual return | 10.64% | 74.86%-64.2pp | 66.36%-55.7pp | 145.39%-134.8pp |
| Employer contribution / active EE | $8,456 | $4,652+81.8% | $4,175+102.5% | $4,194+101.6% |
| Participant deferral / active EE | $7,624 | $6,159+23.8% | $5,451+39.8% | $6,396+19.2% |
| Admin fee / account holder | $1,465 | $16,880-91.3% | $14,497-89.9% | $12,562-88.3% |