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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 | $132,249 | $107,368+23.2% | $92,915+42.3% | $152,909-13.5% |
| Participation rate | 100.0% | 79.8%+20.2pp | 76.0%+24.0pp | 82.5%+17.5pp |
| Annual return | 5.69% | 145.64%-140.0pp | 109.45%-103.8pp | 345.46%-339.8pp |
| Employer contribution / active EE | $3,463 | $4,222-18.0% | $3,653-5.2% | $4,764-27.3% |
| Participant deferral / active EE | $12,293 | $4,848+153.6% | $4,238+190.1% | $5,851+110.1% |
| Admin fee / account holder | $1,114 | $7,082-84.3% | $5,796-80.8% | $11,601-90.4% |