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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 | $81,517 | $162,136-49.7% | $152,301-46.5% | $154,746-47.3% |
| Participation rate | 100.0% | 84.1%+15.9pp | 82.4%+17.6pp | 80.7%+19.3pp |
| Annual return | 7.97% | 91.02%-83.1pp | 80.50%-72.5pp | 172.34%-164.4pp |
| Employer contribution / active EE | $9,445 | $4,890+93.1% | $4,624+104.2% | $4,379+115.7% |
| Participant deferral / active EE | $4,831 | $8,341-42.1% | $8,004-39.6% | $6,730-28.2% |
| Admin fee / account holder | $373 | $15,759-97.6% | $14,398-97.4% | $14,365-97.4% |