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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 | $81,437 | $211,105-61.4% | $178,449-54.4% | $145,978-44.2% |
| Participation rate | 100.0% | 80.8%+19.2pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 7.42% | 30.19%-22.8pp | 27.09%-19.7pp | 550.52%-543.1pp |
| Employer contribution / active EE | $8,990 | $4,569+96.8% | $3,951+127.6% | $4,662+92.8% |
| Participant deferral / active EE | $18,719 | $6,959+169.0% | $6,277+198.2% | $6,690+179.8% |
| Admin fee / account holder | $501 | $12,017-95.8% | $10,362-95.2% | $13,400-96.3% |