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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 | $124,848 | $157,304-20.6% | $141,197-11.6% | $152,909-18.4% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 14.52% | 64.34%-49.8pp | 71.41%-56.9pp | 345.46%-330.9pp |
| Employer contribution / active EE | $4,068 | $5,263-22.7% | $4,736-14.1% | $4,764-14.6% |
| Participant deferral / active EE | $6,073 | $7,111-14.6% | $6,710-9.5% | $5,851+3.8% |
| Admin fee / account holder | $1,821 | $12,126-85.0% | $10,265-82.3% | $11,601-84.3% |