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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 | $118,467 | $127,296-6.9% | $109,907+7.8% | $167,536-29.3% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.2%+25.8pp | 82.1%+17.9pp |
| Annual return | 5.65% | 22.97%-17.3pp | 29.46%-23.8pp | 478.82%-473.2pp |
| Employer contribution / active EE | $43,000 | $3,325+1193.3% | $2,844+1412.0% | $4,839+788.6% |
| Participant deferral / active EE | $10,667 | $4,513+136.4% | $4,047+163.6% | $6,342+68.2% |
| Admin fee / account holder | $335 | $7,119-95.3% | $6,069-94.5% | $12,315-97.3% |