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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 | $24,146 | $183,592-86.8% | $155,574-84.5% | $145,877-83.4% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 8.12% | 61.37%-53.3pp | 64.87%-56.7pp | 551.28%-543.2pp |
| Employer contribution / active EE | $9,353 | $5,317+75.9% | $4,676+100.0% | $4,663+100.6% |
| Participant deferral / active EE | $6,100 | $6,466-5.7% | $5,629+8.4% | $6,691-8.8% |
| Admin fee / account holder | $583 | $19,316-97.0% | $15,914-96.3% | $13,402-95.7% |