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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 | $116,376 | $175,231-33.6% | $149,696-22.3% | $139,466-16.6% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 9.28% | 166.77%-157.5pp | 134.46%-125.2pp | 373.66%-364.4pp |
| Employer contribution / active EE | $4,289 | $5,478-21.7% | $4,821-11.0% | $4,754-9.8% |
| Participant deferral / active EE | $13,790 | $6,521+111.5% | $5,682+142.7% | $6,712+105.5% |
| Admin fee / account holder | $1,530 | $16,155-90.5% | $13,212-88.4% | $11,409-86.6% |