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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 | $113,254 | $183,516-38.3% | $155,534-27.2% | $145,884-22.4% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 8.70% | 61.43%-52.7pp | 64.92%-56.2pp | 551.85%-543.1pp |
| Employer contribution / active EE | $8,760 | $5,315+64.8% | $4,675+87.4% | $4,662+87.9% |
| Participant deferral / active EE | $4,936 | $6,467-23.7% | $5,630-12.3% | $6,690-26.2% |
| Admin fee / account holder | $941 | $19,293-95.1% | $15,900-94.1% | $13,392-93.0% |