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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 | $177,098 | $124,314+42.5% | $109,163+62.2% | $167,518+5.7% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.9%+24.1pp | 82.1%+17.9pp |
| Annual return | 9.41% | 26.04%-16.6pp | 25.75%-16.3pp | 478.71%-469.3pp |
| Employer contribution / active EE | $22,927 | $4,209+444.8% | $3,723+515.9% | $4,838+373.9% |
| Participant deferral / active EE | $4,624 | $5,256-12.0% | $4,654-0.6% | $6,342-27.1% |
| Admin fee / account holder | $4,082 | $7,973-48.8% | $6,754-39.6% | $12,312-66.8% |