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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 | $155,761 | $182,442-14.6% | $163,379-4.7% | $138,895+12.1% |
| Participation rate | 100.0% | 79.8%+20.2pp | 76.8%+23.2pp | 79.9%+20.1pp |
| Annual return | 9.56% | 72.74%-63.2pp | 63.41%-53.8pp | 145.39%-135.8pp |
| Employer contribution / active EE | $792 | $4,159-81.0% | $3,752-78.9% | $4,194-81.1% |
| Participant deferral / active EE | $4,441 | $6,817-34.8% | $6,282-29.3% | $6,396-30.6% |
| Admin fee / account holder | $677 | $10,396-93.5% | $9,818-93.1% | $12,562-94.6% |