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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 | $126,715 | $228,352-44.5% | $185,835-31.8% | $158,966-20.3% |
| Participation rate | 100.0% | 82.3%+17.7pp | 78.0%+22.0pp | 82.0%+18.0pp |
| Annual return | 0.84% | 40.81%-40.0pp | 35.96%-35.1pp | 302.95%-302.1pp |
| Employer contribution / active EE | $13,909 | $4,967+180.0% | $4,087+240.3% | $4,762+192.0% |
| Participant deferral / active EE | $13,090 | $6,416+104.0% | $5,633+132.4% | $5,983+118.8% |
| Admin fee / account holder | $500 | $11,867-95.8% | $9,502-94.7% | $11,250-95.6% |