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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 | $150,209 | $115,814+29.7% | $101,275+48.3% | $158,982-5.5% |
| Participation rate | 87.5% | 79.4%+8.1pp | 75.8%+11.7pp | 82.0%+5.5pp |
| Annual return | 5.67% | 56.16%-50.5pp | 46.48%-40.8pp | 302.99%-297.3pp |
| Employer contribution / active EE | $2,925 | $4,176-30.0% | $3,660-20.1% | $4,763-38.6% |
| Participant deferral / active EE | $7,463 | $4,958+50.5% | $4,371+70.8% | $5,983+24.7% |
| Admin fee / account holder | $15,528 | $7,249+114.2% | $5,948+161.1% | $11,252+38.0% |