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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 | $177,356 | $201,372-11.9% | $184,260-3.7% | $145,884+21.6% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 7.81% | 29.04%-21.2pp | 28.84%-21.0pp | 551.85%-544.0pp |
| Employer contribution / active EE | $21,112 | $7,024+200.6% | $6,427+228.5% | $4,662+352.8% |
| Participant deferral / active EE | $12,343 | $9,808+25.9% | $9,133+35.1% | $6,690+84.5% |
| Admin fee / account holder | $3,538 | $16,362-78.4% | $13,898-74.5% | $13,392-73.6% |