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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 | $176,097 | $110,379+59.5% | $102,412+71.9% | $145,884+20.7% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 8.69% | 24.84%-16.1pp | 24.94%-16.2pp | 551.85%-543.2pp |
| Employer contribution / active EE | $10,342 | $4,216+145.3% | $3,870+167.2% | $4,662+121.8% |
| Participant deferral / active EE | $8,226 | $5,622+46.3% | $5,060+62.6% | $6,690+23.0% |
| Admin fee / account holder | $12,261 | $9,745+25.8% | $8,388+46.2% | $13,392-8.4% |