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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 | $242,827 | $181,896+33.5% | $156,551+55.1% | $273,972-11.4% |
| Participation rate | 100.0% | 88.4%+11.6pp | 84.0%+16.0pp | 83.0%+17.0pp |
| Annual return | 2.39% | 30.74%-28.3pp | 32.23%-29.8pp | 41.46%-39.1pp |
| Employer contribution / active EE | $19,238 | $6,248+207.9% | $5,501+249.7% | $4,869+295.1% |
| Participant deferral / active EE | $10,024 | $5,550+80.6% | $4,871+105.8% | $5,287+89.6% |
| Admin fee / account holder | $10,475 | $15,560-32.7% | $13,028-19.6% | $10,133+3.4% |