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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 | $129,018 | $175,259-26.4% | $149,723-13.8% | $139,487-7.5% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 4.07% | 166.82%-162.8pp | 134.50%-130.4pp | 373.84%-369.8pp |
| Employer contribution / active EE | $2,979 | $5,478-45.6% | $4,821-38.2% | $4,755-37.4% |
| Participant deferral / active EE | $13,478 | $6,522+106.7% | $5,682+137.2% | $6,713+100.8% |
| Admin fee / account holder | $2,252 | $16,158-86.1% | $13,215-83.0% | $11,407-80.3% |