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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 | $142,971 | $162,136-11.8% | $152,301-6.1% | $154,746-7.6% |
| Participation rate | 100.0% | 84.1%+15.9pp | 82.4%+17.6pp | 80.7%+19.3pp |
| Annual return | 9.17% | 91.02%-81.9pp | 80.50%-71.3pp | 172.34%-163.2pp |
| Employer contribution / active EE | $3,738 | $4,890-23.6% | $4,624-19.2% | $4,379-14.6% |
| Participant deferral / active EE | $11,724 | $8,341+40.6% | $8,004+46.5% | $6,730+74.2% |
| Admin fee / account holder | $1,888 | $15,759-88.0% | $14,398-86.9% | $14,365-86.9% |