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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 | $129,027 | $175,231-26.4% | $149,696-13.8% | $139,466-7.5% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 9.84% | 166.77%-156.9pp | 134.46%-124.6pp | 373.66%-363.8pp |
| Employer contribution / active EE | $1,620 | $5,478-70.4% | $4,821-66.4% | $4,754-65.9% |
| Participant deferral / active EE | $10,900 | $6,521+67.1% | $5,682+91.8% | $6,712+62.4% |
| Admin fee / account holder | $1,390 | $16,155-91.4% | $13,212-89.5% | $11,409-87.8% |