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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 | $119,680 | $232,540-48.5% | $185,117-35.3% | $147,586-18.9% |
| Participation rate | 100.0% | 82.4%+17.6pp | 77.3%+22.7pp | 82.8%+17.2pp |
| Annual return | 4.30% | 43.03%-38.7pp | 40.50%-36.2pp | 578.59%-574.3pp |
| Employer contribution / active EE | $3,077 | $5,195-40.8% | $4,182-26.4% | $4,876-36.9% |
| Participant deferral / active EE | $2,872 | $5,834-50.8% | $5,045-43.1% | $5,439-47.2% |
| Admin fee / account holder | $671 | $10,275-93.5% | $8,159-91.8% | $10,886-93.8% |