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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 | $239,910 | $176,786+35.7% | $146,643+63.6% | $167,536+43.2% |
| Participation rate | 100.0% | 83.6%+16.4pp | 80.1%+19.9pp | 82.1%+17.9pp |
| Annual return | 6.37% | 24.04%-17.7pp | 22.75%-16.4pp | 478.82%-472.4pp |
| Employer contribution / active EE | $2,899 | $5,161-43.8% | $4,137-29.9% | $4,839-40.1% |
| Participant deferral / active EE | $8,336 | $6,440+29.4% | $5,506+51.4% | $6,342+31.4% |
| Admin fee / account holder | $3,339 | $13,262-74.8% | $10,280-67.5% | $12,315-72.9% |