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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 | $107,473 | $106,280+1.1% | $96,538+11.3% | $139,487-23.0% |
| Participation rate | 100.0% | 77.8%+22.2pp | 74.3%+25.7pp | 80.3%+19.7pp |
| Annual return | 10.41% | 38.48%-28.1pp | 35.74%-25.3pp | 373.84%-363.4pp |
| Employer contribution / active EE | $12,552 | $4,107+205.6% | $3,740+235.6% | $4,755+164.0% |
| Participant deferral / active EE | $8,068 | $5,457+47.8% | $4,880+65.3% | $6,713+20.2% |
| Admin fee / account holder | $728 | $7,888-90.8% | $6,737-89.2% | $11,407-93.6% |