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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 | $178,494 | $117,829+51.5% | $102,423+74.3% | $145,877+22.4% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 8.31% | 31.83%-23.5pp | 29.42%-21.1pp | 551.28%-543.0pp |
| Employer contribution / active EE | $13,641 | $3,615+277.4% | $3,023+351.3% | $4,663+192.5% |
| Participant deferral / active EE | $7,254 | $5,732+26.5% | $5,054+43.5% | $6,691+8.4% |
| Admin fee / account holder | $4,310 | $13,335-67.7% | $9,455-54.4% | $13,402-67.8% |