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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 | $117,252 | $210,698-44.4% | $178,014-34.1% | $145,959-19.7% |
| Participation rate | 100.0% | 80.8%+19.2pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 7.01% | 386.27%-379.3pp | 294.80%-287.8pp | 561.95%-554.9pp |
| Employer contribution / active EE | $1,662 | $4,567-63.6% | $3,950-57.9% | $4,661-64.3% |
| Participant deferral / active EE | $26,000 | $6,958+273.6% | $6,276+314.3% | $6,689+288.7% |
| Admin fee / account holder | $9,958 | $12,016-17.1% | $10,362-3.9% | $13,398-25.7% |