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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 | $153,310 | $84,236+82.0% | $170,435-10.0% | $70,126+118.6% |
| Participation rate | 95.7% | 70.8%+24.9pp | 83.6%+12.1pp | 69.5%+26.2pp |
| Annual return | 11.65% | 23.06%-11.4pp | 205.94%-194.3pp | 73.15%-61.5pp |
| Employer contribution / active EE | $2,501 | $3,387-26.2% | $5,432-54.0% | $2,343+6.8% |
| Participant deferral / active EE | $5,197 | $3,086+68.4% | $4,939+5.2% | $3,332+56.0% |
| Admin fee / account holder | $11,713 | $5,698+105.6% | $13,881-15.6% | $4,645+152.1% |