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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 | $227,302 | $174,379+30.3% | $152,093+49.4% | $138,895+63.6% |
| Participation rate | 100.0% | 81.6%+18.4pp | 77.8%+22.2pp | 79.9%+20.1pp |
| Annual return | 7.96% | 74.86%-66.9pp | 66.36%-58.4pp | 145.39%-137.4pp |
| Employer contribution / active EE | $9,093 | $4,652+95.5% | $4,175+117.8% | $4,194+116.8% |
| Participant deferral / active EE | $9,024 | $6,159+46.5% | $5,451+65.5% | $6,396+41.1% |
| Admin fee / account holder | $4,355 | $16,880-74.2% | $14,497-70.0% | $12,562-65.3% |