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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 | $138,479 | $202,440-31.6% | $169,390-18.2% | $139,466-0.7% |
| Participation rate | 100.0% | 81.1%+18.9pp | 77.2%+22.8pp | 80.3%+19.7pp |
| Annual return | 3.48% | 532.36%-528.9pp | 406.07%-402.6pp | 373.66%-370.2pp |
| Employer contribution / active EE | $847 | $4,693-81.9% | $4,013-78.9% | $4,754-82.2% |
| Participant deferral / active EE | $15,758 | $6,940+127.1% | $6,222+153.2% | $6,712+134.8% |
| Admin fee / account holder | $2,554 | $10,722-76.2% | $9,015-71.7% | $11,409-77.6% |