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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 | $115,225-0.4% | $100,712+13.9% | $138,895-17.4% |
| Participation rate | 86.4% | 74.3%+12.0pp | 69.3%+17.1pp | 79.9%+6.4pp |
| Annual return | 4.96% | 40.35%-35.4pp | 33.27%-28.3pp | 145.39%-140.4pp |
| Employer contribution / active EE | $12,009 | $2,771+333.4% | $2,313+419.3% | $4,194+186.3% |
| Participant deferral / active EE | $1,452 | $4,699-69.1% | $4,085-64.4% | $6,396-77.3% |
| Admin fee / account holder | $13,892 | $10,844+28.1% | $9,256+50.1% | $12,562+10.6% |