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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 | $103,577 | $201,370-48.6% | $184,256-43.8% | $145,897-29.0% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 4.96% | 29.05%-24.1pp | 28.85%-23.9pp | 552.29%-547.3pp |
| Employer contribution / active EE | $8,744 | $7,024+24.5% | $6,427+36.1% | $4,663+87.5% |
| Participant deferral / active EE | $6,117 | $9,808-37.6% | $9,133-33.0% | $6,689-8.6% |
| Admin fee / account holder | $2,198 | $16,364-86.6% | $13,899-84.2% | $13,390-83.6% |