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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 | $161,754 | $106,247+52.2% | $96,515+67.6% | $139,466+16.0% |
| Participation rate | 100.0% | 77.8%+22.2pp | 74.3%+25.7pp | 80.3%+19.7pp |
| Annual return | 3.67% | 38.47%-34.8pp | 35.73%-32.1pp | 373.66%-370.0pp |
| Employer contribution / active EE | $9,309 | $4,106+126.7% | $3,740+148.9% | $4,754+95.8% |
| Participant deferral / active EE | $5,706 | $5,456+4.6% | $4,880+16.9% | $6,712-15.0% |
| Admin fee / account holder | $16,925 | $7,885+114.6% | $6,735+151.3% | $11,409+48.4% |