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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 | $188,371 | $87,166+116.1% | $76,735+145.5% | $137,256+37.2% |
| Participation rate | 100.0% | 74.4%+25.6pp | 69.5%+30.5pp | 80.0%+20.0pp |
| Annual return | 9.25% | 26.50%-17.3pp | 29.77%-20.5pp | 220.34%-211.1pp |
| Employer contribution / active EE | $14,697 | $2,904+406.0% | $2,454+498.8% | $4,156+253.6% |
| Participant deferral / active EE | $18,058 | $4,726+282.1% | $4,088+341.7% | $6,407+181.9% |
| Admin fee / account holder | $938 | $8,403-88.8% | $7,189-87.0% | $12,270-92.4% |