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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 | $107,082 | $117,895-9.2% | $102,460+4.5% | $145,897-26.6% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 8.56% | 31.92%-23.4pp | 29.47%-20.9pp | 552.29%-543.7pp |
| Employer contribution / active EE | $5,000 | $3,619+38.2% | $3,025+65.3% | $4,663+7.2% |
| Participant deferral / active EE | $7,427 | $5,736+29.5% | $5,056+46.9% | $6,689+11.0% |
| Admin fee / account holder | $472 | $13,353-96.5% | $9,460-95.0% | $13,390-96.5% |