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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 | $244,887 | $110,337+121.9% | $102,383+139.2% | $145,877+67.9% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 8.43% | 24.83%-16.4pp | 24.94%-16.5pp | 551.28%-542.8pp |
| Employer contribution / active EE | $3,092 | $4,216-26.7% | $3,870-20.1% | $4,663-33.7% |
| Participant deferral / active EE | $10,908 | $5,621+94.1% | $5,060+115.6% | $6,691+63.0% |
| Admin fee / account holder | $1,589 | $9,750-83.7% | $8,391-81.1% | $13,402-88.1% |