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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 | $142,583 | $115,903+23.0% | $100,528+41.8% | $158,966-10.3% |
| Participation rate | 100.0% | 81.6%+18.4pp | 79.4%+20.6pp | 82.0%+18.0pp |
| Annual return | 6.98% | 34.80%-27.8pp | 30.90%-23.9pp | 302.95%-296.0pp |
| Employer contribution / active EE | $5,035 | $4,105+22.7% | $3,419+47.3% | $4,762+5.7% |
| Participant deferral / active EE | $10,381 | $6,677+55.5% | $6,271+65.5% | $5,983+73.5% |
| Admin fee / account holder | $1,046 | $11,000-90.5% | $8,084-87.1% | $11,250-90.7% |