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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 | $128,892 | $148,629-13.3% | $135,982-5.2% | $139,487-7.6% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 11.89% | 79.33%-67.4pp | 68.32%-56.4pp | 373.84%-362.0pp |
| Employer contribution / active EE | $12,014 | $5,247+129.0% | $4,859+147.2% | $4,755+152.7% |
| Participant deferral / active EE | $17,065 | $8,102+110.6% | $7,760+119.9% | $6,713+154.2% |
| Admin fee / account holder | $1,060 | $12,406-91.5% | $10,767-90.2% | $11,407-90.7% |