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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 | $143,822 | $110,307+30.4% | $96,576+48.9% | $139,456+3.1% |
| Participation rate | 100.0% | 78.1%+21.9pp | 76.0%+24.0pp | 80.3%+19.7pp |
| Annual return | 6.71% | 26.40%-19.7pp | 25.87%-19.2pp | 373.45%-366.7pp |
| Employer contribution / active EE | $8,651 | $3,619+139.0% | $2,965+191.8% | $4,753+82.0% |
| Participant deferral / active EE | $6,731 | $5,547+21.3% | $4,851+38.8% | $6,711+0.3% |
| Admin fee / account holder | $695 | $11,597-94.0% | $8,253-91.6% | $11,407-93.9% |