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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 | $110,516 | $100,262+10.2% | $81,370+35.8% | $145,897-24.3% |
| Participation rate | 100.0% | 74.3%+25.7pp | 69.5%+30.5pp | 80.3%+19.7pp |
| Annual return | 3.61% | 34.52%-30.9pp | 24.85%-21.2pp | 552.29%-548.7pp |
| Employer contribution / active EE | $9,633 | $2,979+223.4% | $2,464+291.0% | $4,663+106.6% |
| Participant deferral / active EE | $11,594 | $4,612+151.4% | $3,885+198.4% | $6,689+73.3% |
| Admin fee / account holder | $85,200 | $8,163+943.7% | $5,749+1381.9% | $13,390+536.3% |