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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 | $198,196 | $211,224-6.2% | $178,505+11.0% | $145,897+35.8% |
| Participation rate | 100.0% | 80.8%+19.2pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 0.47% | 30.28%-29.8pp | 27.16%-26.7pp | 552.29%-551.8pp |
| Employer contribution / active EE | $725 | $4,577-84.2% | $3,955-81.7% | $4,663-84.5% |
| Participant deferral / active EE | $15,758 | $6,966+126.2% | $6,280+150.9% | $6,689+135.6% |
| Admin fee / account holder | $3,932 | $12,109-67.5% | $10,428-62.3% | $13,390-70.6% |