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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 | $161,779 | $217,427-25.6% | $185,837-12.9% | $167,518-3.4% |
| Participation rate | 95.2% | 86.0%+9.2pp | 81.7%+13.5pp | 82.1%+13.1pp |
| Annual return | 7.22% | 148.39%-141.2pp | 122.08%-114.9pp | 478.71%-471.5pp |
| Employer contribution / active EE | $1,758 | $5,874-70.1% | $5,168-66.0% | $4,838-63.7% |
| Participant deferral / active EE | $2,847 | $6,357-55.2% | $5,568-48.9% | $6,342-55.1% |
| Admin fee / account holder | $11,284 | $19,816-43.1% | $16,241-30.5% | $12,312-8.4% |