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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 | $81,700 | $111,535-26.7% | $105,223-22.4% | $137,256-40.5% |
| Participation rate | 87.5% | 78.1%+9.4pp | 75.0%+12.5pp | 80.0%+7.5pp |
| Annual return | 8.95% | 237.85%-228.9pp | 180.65%-171.7pp | 220.34%-211.4pp |
| Employer contribution / active EE | $9,107 | $3,939+131.2% | $3,689+146.9% | $4,156+119.1% |
| Participant deferral / active EE | $6,805 | $5,500+23.7% | $5,072+34.2% | $6,407+6.2% |
| Admin fee / account holder | $547 | $9,721-94.4% | $8,859-93.8% | $12,270-95.5% |