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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 | $141,794 | $176,786-19.8% | $146,643-3.3% | $167,536-15.4% |
| Participation rate | 100.0% | 83.6%+16.4pp | 80.1%+19.9pp | 82.1%+17.9pp |
| Annual return | 8.02% | 24.04%-16.0pp | 22.75%-14.7pp | 478.82%-470.8pp |
| Employer contribution / active EE | $10,677 | $5,161+106.9% | $4,137+158.1% | $4,839+120.6% |
| Participant deferral / active EE | $7,703 | $6,440+19.6% | $5,506+39.9% | $6,342+21.5% |
| Admin fee / account holder | $3,620 | $13,262-72.7% | $10,280-64.8% | $12,315-70.6% |