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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 | $91,931 | $175,259-47.5% | $149,723-38.6% | $139,487-34.1% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 8.07% | 166.82%-158.8pp | 134.50%-126.4pp | 373.84%-365.8pp |
| Employer contribution / active EE | $2,529 | $5,478-53.8% | $4,821-47.5% | $4,755-46.8% |
| Participant deferral / active EE | $19,642 | $6,522+201.2% | $5,682+245.7% | $6,713+192.6% |
| Admin fee / account holder | $536 | $16,158-96.7% | $13,215-95.9% | $11,407-95.3% |