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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 | $115,339 | $201,372-42.7% | $184,260-37.4% | $145,884-20.9% |
| Participation rate | 90.0% | 87.5%+2.5pp | 86.8%+3.2pp | 80.3%+9.7pp |
| Annual return | 9.40% | 29.04%-19.6pp | 28.84%-19.4pp | 551.85%-542.5pp |
| Employer contribution / active EE | $12,099 | $7,024+72.3% | $6,427+88.2% | $4,662+159.5% |
| Participant deferral / active EE | $4,864 | $9,808-50.4% | $9,133-46.7% | $6,690-27.3% |
| Admin fee / account holder | $573 | $16,362-96.5% | $13,898-95.9% | $13,392-95.7% |