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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 | $128,376 | $110,337+16.3% | $102,383+25.4% | $145,877-12.0% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 7.69% | 24.83%-17.1pp | 24.94%-17.2pp | 551.28%-543.6pp |
| Employer contribution / active EE | $1,406 | $4,216-66.7% | $3,870-63.7% | $4,663-69.9% |
| Participant deferral / active EE | $17,831 | $5,621+217.2% | $5,060+252.4% | $6,691+166.5% |
| Admin fee / account holder | $567 | $9,750-94.2% | $8,391-93.2% | $13,402-95.8% |