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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 | $76,816 | $118,875-35.4% | $96,572-20.5% | $167,553-54.2% |
| Participation rate | 100.0% | 75.5%+24.5pp | 69.8%+30.2pp | 82.1%+17.9pp |
| Annual return | 4.63% | 50.50%-45.9pp | 37.79%-33.2pp | 478.89%-474.3pp |
| Employer contribution / active EE | $3,151 | $3,121+1.0% | $2,357+33.7% | $4,840-34.9% |
| Participant deferral / active EE | $3,222 | $4,617-30.2% | $3,850-16.3% | $6,343-49.2% |
| Admin fee / account holder | $14,862 | $8,070+84.2% | $6,183+140.4% | $12,316+20.7% |