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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 | $120,028 | $162,136-26.0% | $152,301-21.2% | $154,746-22.4% |
| Participation rate | 100.0% | 84.1%+15.9pp | 82.4%+17.6pp | 80.7%+19.3pp |
| Annual return | 11.32% | 91.02%-79.7pp | 80.50%-69.2pp | 172.34%-161.0pp |
| Employer contribution / active EE | $2,736 | $4,890-44.0% | $4,624-40.8% | $4,379-37.5% |
| Participant deferral / active EE | $6,334 | $8,341-24.1% | $8,004-20.9% | $6,730-5.9% |
| Admin fee / account holder | $921 | $15,759-94.2% | $14,398-93.6% | $14,365-93.6% |