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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 | $124,450 | $101,618+22.5% | $93,063+33.7% | $137,256-9.3% |
| Participation rate | 100.0% | 74.9%+25.1pp | 72.1%+27.9pp | 80.0%+20.0pp |
| Annual return | 8.82% | 223.95%-215.1pp | 34.15%-25.3pp | 220.34%-211.5pp |
| Employer contribution / active EE | $3,142 | $2,707+16.0% | $2,476+26.9% | $4,156-24.4% |
| Participant deferral / active EE | $14,418 | $4,279+236.9% | $3,958+264.3% | $6,407+125.0% |
| Admin fee / account holder | $1,325 | $6,198-78.6% | $6,033-78.0% | $12,270-89.2% |