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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 | $82,775 | $111,535-25.8% | $105,223-21.3% | $137,256-39.7% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 6.37% | 237.85%-231.5pp | 180.65%-174.3pp | 220.34%-214.0pp |
| Employer contribution / active EE | $15,928 | $3,939+304.3% | $3,689+331.8% | $4,156+283.3% |
| Participant deferral / active EE | $3,681 | $5,500-33.1% | $5,072-27.4% | $6,407-42.5% |
| Admin fee / account holder | $341 | $9,721-96.5% | $8,859-96.1% | $12,270-97.2% |