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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 | $140,891 | $172,111-18.1% | $150,298-6.3% | $137,256+2.6% |
| Participation rate | 100.0% | 81.7%+18.3pp | 77.8%+22.2pp | 80.0%+20.0pp |
| Annual return | 9.99% | 69.37%-59.4pp | 62.79%-52.8pp | 220.34%-210.4pp |
| Employer contribution / active EE | $2,350 | $4,636-49.3% | $4,154-43.4% | $4,156-43.4% |
| Participant deferral / active EE | $10,757 | $6,166+74.5% | $5,453+97.3% | $6,407+67.9% |
| Admin fee / account holder | $3,406 | $16,471-79.3% | $14,116-75.9% | $12,270-72.2% |