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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 | $82,161 | $157,304-47.8% | $141,197-41.8% | $152,909-46.3% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 14.39% | 64.34%-50.0pp | 71.41%-57.0pp | 345.46%-331.1pp |
| Employer contribution / active EE | $6,652 | $5,263+26.4% | $4,736+40.5% | $4,764+39.6% |
| Participant deferral / active EE | $10,944 | $7,111+53.9% | $6,710+63.1% | $5,851+87.0% |
| Admin fee / account holder | $7,718 | $12,126-36.3% | $10,265-24.8% | $11,601-33.5% |