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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 | $126,163 | $107,368+17.5% | $92,915+35.8% | $152,909-17.5% |
| Participation rate | 100.0% | 79.8%+20.2pp | 76.0%+24.0pp | 82.5%+17.5pp |
| Annual return | 9.95% | 145.64%-135.7pp | 109.45%-99.5pp | 345.46%-335.5pp |
| Employer contribution / active EE | $8,733 | $4,222+106.8% | $3,653+139.0% | $4,764+83.3% |
| Participant deferral / active EE | $8,604 | $4,848+77.5% | $4,238+103.0% | $5,851+47.0% |
| Admin fee / account holder | $761 | $7,082-89.3% | $5,796-86.9% | $11,601-93.4% |