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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 | $82,280 | $124,351-33.8% | $109,188-24.6% | $167,553-50.9% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.9%+24.1pp | 82.1%+17.9pp |
| Annual return | 7.55% | 26.04%-18.5pp | 25.76%-18.2pp | 478.89%-471.3pp |
| Employer contribution / active EE | $18,354 | $4,210+336.0% | $3,723+393.0% | $4,840+279.2% |
| Participant deferral / active EE | $14,527 | $5,257+176.3% | $4,654+212.1% | $6,343+129.0% |
| Admin fee / account holder | $10,957 | $7,975+37.4% | $6,755+62.2% | $12,316-11.0% |