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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 | $101,561 | $183,516-44.7% | $155,534-34.7% | $145,884-30.4% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 8.08% | 61.43%-53.3pp | 64.92%-56.8pp | 551.85%-543.8pp |
| Employer contribution / active EE | $3,983 | $5,315-25.0% | $4,675-14.8% | $4,662-14.6% |
| Participant deferral / active EE | $2,861 | $6,467-55.8% | $5,630-49.2% | $6,690-57.2% |
| Admin fee / account holder | $3,611 | $19,293-81.3% | $15,900-77.3% | $13,392-73.0% |