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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 | $201,821 | $155,555+29.7% | $146,866+37.4% | $155,188+30.0% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.5%+17.5pp | 80.8%+19.2pp |
| Annual return | 4.95% | 115.41%-110.5pp | 102.85%-97.9pp | 148.84%-143.9pp |
| Employer contribution / active EE | $16,442 | $4,647+253.9% | $4,425+271.6% | $4,248+287.1% |
| Participant deferral / active EE | $7,573 | $8,044-5.9% | $7,759-2.4% | $6,531+15.9% |
| Admin fee / account holder | $7,226 | $14,755-51.0% | $13,620-46.9% | $14,480-50.1% |