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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 | $112,219 | $135,956-17.5% | $123,894-9.4% | $273,972-59.0% |
| Participation rate | 88.9% | 84.1%+4.8pp | 81.4%+7.5pp | 83.0%+5.9pp |
| Annual return | 3.58% | 56.63%-53.0pp | 47.52%-43.9pp | 41.46%-37.9pp |
| Employer contribution / active EE | $10,207 | $5,170+97.4% | $4,617+121.1% | $4,869+109.6% |
| Participant deferral / active EE | $8,357 | $6,343+31.8% | $5,984+39.6% | $5,287+58.1% |
| Admin fee / account holder | $541 | $9,817-94.5% | $8,357-93.5% | $10,133-94.7% |