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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 | $172,111-12.1% | $150,298+0.7% | $137,256+10.3% |
| Participation rate | 88.9% | 81.7%+7.2pp | 77.8%+11.1pp | 80.0%+8.9pp |
| Annual return | 10.64% | 69.37%-58.7pp | 62.79%-52.2pp | 220.34%-209.7pp |
| Employer contribution / active EE | $8,456 | $4,636+82.4% | $4,154+103.6% | $4,156+103.5% |
| Participant deferral / active EE | $7,624 | $6,166+23.6% | $5,453+39.8% | $6,407+19.0% |
| Admin fee / account holder | $1,465 | $16,471-91.1% | $14,116-89.6% | $12,270-88.1% |