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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 | $126,644 | $201,344-37.1% | $184,243-31.3% | $145,877-13.2% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 8.14% | 29.01%-20.9pp | 28.82%-20.7pp | 551.28%-543.1pp |
| Employer contribution / active EE | $6,213 | $7,022-11.5% | $6,427-3.3% | $4,663+33.2% |
| Participant deferral / active EE | $14,777 | $9,807+50.7% | $9,132+61.8% | $6,691+120.9% |
| Admin fee / account holder | $5,271 | $16,382-67.8% | $13,914-62.1% | $13,402-60.7% |