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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 | $148,383 | $203,483-27.1% | $152,473-2.7% | $167,536-11.4% |
| Participation rate | 100.0% | 82.3%+17.7pp | 78.2%+21.8pp | 82.1%+17.9pp |
| Annual return | 6.18% | 13.80%-7.6pp | 757.59%-751.4pp | 478.82%-472.6pp |
| Employer contribution / active EE | $4,660 | $5,219-10.7% | $4,326+7.7% | $4,839-3.7% |
| Participant deferral / active EE | $11,699 | $6,711+74.3% | $5,817+101.1% | $6,342+84.5% |
| Admin fee / account holder | $19,839 | $22,521-11.9% | $15,811+25.5% | $12,315+61.1% |