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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 | $122,552 | $211,224-42.0% | $178,505-31.3% | $145,897-16.0% |
| Participation rate | 100.0% | 80.8%+19.2pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 7.54% | 30.28%-22.7pp | 27.16%-19.6pp | 552.29%-544.7pp |
| Employer contribution / active EE | $9,333 | $4,577+103.9% | $3,955+136.0% | $4,663+100.2% |
| Participant deferral / active EE | $11,161 | $6,966+60.2% | $6,280+77.7% | $6,689+66.8% |
| Admin fee / account holder | $3,835 | $12,109-68.3% | $10,428-63.2% | $13,390-71.4% |