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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 | $94,729 | $175,259-45.9% | $149,723-36.7% | $139,487-32.1% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 10.28% | 166.82%-156.5pp | 134.50%-124.2pp | 373.84%-363.6pp |
| Employer contribution / active EE | $3,719 | $5,478-32.1% | $4,821-22.9% | $4,755-21.8% |
| Participant deferral / active EE | $4,021 | $6,522-38.3% | $5,682-29.2% | $6,713-40.1% |
| Admin fee / account holder | $1,840 | $16,158-88.6% | $13,215-86.1% | $11,407-83.9% |