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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 | $81,872 | $117,895-30.6% | $102,460-20.1% | $145,897-43.9% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 5.48% | 31.92%-26.4pp | 29.47%-24.0pp | 552.29%-546.8pp |
| Employer contribution / active EE | $16,985 | $3,619+369.3% | $3,025+461.5% | $4,663+264.3% |
| Participant deferral / active EE | $13,375 | $5,736+133.2% | $5,056+164.5% | $6,689+99.9% |
| Admin fee / account holder | $367 | $13,353-97.3% | $9,460-96.1% | $13,390-97.3% |