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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 | $114,755 | $124,980-8.2% | $108,359+5.9% | $154,746-25.8% |
| Participation rate | 86.4% | 75.2%+11.2pp | 70.1%+16.2pp | 80.7%+5.7pp |
| Annual return | 4.96% | 45.00%-40.0pp | 36.89%-31.9pp | 172.34%-167.4pp |
| Employer contribution / active EE | $12,009 | $2,851+321.3% | $2,399+400.5% | $4,379+174.2% |
| Participant deferral / active EE | $1,452 | $4,743-69.4% | $4,137-64.9% | $6,730-78.4% |
| Admin fee / account holder | $13,892 | $11,502+20.8% | $9,741+42.6% | $14,365-3.3% |