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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 | $88,553 | $111,535-20.6% | $105,223-15.8% | $137,256-35.5% |
| Participation rate | 80.0% | 78.1%+1.9pp | 75.0%+5.0pp | 80.0%0pp |
| Annual return | 7.15% | 237.85%-230.7pp | 180.65%-173.5pp | 220.34%-213.2pp |
| Employer contribution / active EE | $14,595 | $3,939+270.5% | $3,689+295.7% | $4,156+251.2% |
| Participant deferral / active EE | $8,333 | $5,500+51.5% | $5,072+64.3% | $6,407+30.1% |
| Admin fee / account holder | $7,492 | $9,721-22.9% | $8,859-15.4% | $12,270-38.9% |