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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 | $182,406 | $184,014-0.9% | $161,149+13.2% | $138,895+31.3% |
| Participation rate | 100.0% | 82.1%+17.9pp | 78.8%+21.2pp | 79.9%+20.1pp |
| Annual return | 9.30% | 21.52%-12.2pp | 21.16%-11.9pp | 145.39%-136.1pp |
| Employer contribution / active EE | $15,630 | $5,055+209.2% | $4,360+258.5% | $4,194+272.7% |
| Participant deferral / active EE | $7,750 | $6,909+12.2% | $6,153+26.0% | $6,396+21.2% |
| Admin fee / account holder | $4,020 | $18,027-77.7% | $15,194-73.5% | $12,562-68.0% |