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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 | $103,783 | $198,457-47.7% | $170,435-39.1% | $147,586-29.7% |
| Participation rate | 100.0% | 88.0%+12.0pp | 83.6%+16.4pp | 82.8%+17.2pp |
| Annual return | 7.29% | 257.30%-250.0pp | 205.94%-198.7pp | 578.59%-571.3pp |
| Employer contribution / active EE | $3,910 | $6,183-36.8% | $5,432-28.0% | $4,876-19.8% |
| Participant deferral / active EE | $5,510 | $5,629-2.1% | $4,939+11.5% | $5,439+1.3% |
| Admin fee / account holder | $368 | $16,852-97.8% | $13,881-97.4% | $10,886-96.6% |