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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 | $98,551 | $86,298+14.2% | $111,308-11.5% | $85,847+14.8% |
| Participation rate | 100.0% | 73.3%+26.7pp | 77.3%+22.7pp | 69.3%+30.7pp |
| Annual return | 9.77% | 19.99%-10.2pp | 54.67%-44.9pp | 318.61%-308.8pp |
| Employer contribution / active EE | $11,654 | $2,044+470.2% | $2,732+326.6% | $2,565+354.3% |
| Participant deferral / active EE | $8,545 | $3,641+134.7% | $4,487+90.4% | $3,952+116.2% |
| Admin fee / account holder | $2,805 | $8,189-65.7% | $7,965-64.8% | $6,261-55.2% |