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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 | $224,125 | $211,288+6.1% | $178,540+25.5% | $145,884+53.6% |
| Participation rate | 100.0% | 80.8%+19.2pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 3.02% | 30.27%-27.2pp | 27.15%-24.1pp | 551.85%-548.8pp |
| Employer contribution / active EE | $15,090 | $4,574+229.9% | $3,953+281.7% | $4,662+223.7% |
| Participant deferral / active EE | $16,595 | $6,967+138.2% | $6,281+164.2% | $6,690+148.1% |
| Admin fee / account holder | $8,987 | $12,105-25.8% | $10,424-13.8% | $13,392-32.9% |