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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 | $111,254 | $106,923+4.0% | $84,023+32.4% | $152,909-27.2% |
| Participation rate | 90.9% | 75.3%+15.7pp | 69.0%+21.9pp | 82.5%+8.5pp |
| Annual return | 7.50% | 105.02%-97.5pp | 71.32%-63.8pp | 345.46%-338.0pp |
| Employer contribution / active EE | $1,493 | $2,735-45.4% | $1,984-24.7% | $4,764-68.7% |
| Participant deferral / active EE | $3,998 | $4,013-0.4% | $3,239+23.4% | $5,851-31.7% |
| Admin fee / account holder | $352 | $8,289-95.8% | $6,102-94.2% | $11,601-97.0% |