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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 | $136,842 | $117,904+16.1% | $102,457+33.6% | $145,978-6.3% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 8.35% | 31.80%-23.4pp | 29.41%-21.1pp | 550.52%-542.2pp |
| Employer contribution / active EE | $2,104 | $3,613-41.8% | $3,022-30.4% | $4,662-54.9% |
| Participant deferral / active EE | $9,720 | $5,733+69.5% | $5,054+92.3% | $6,690+45.3% |
| Admin fee / account holder | $1,336 | $13,329-90.0% | $9,451-85.9% | $13,400-90.0% |