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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 | $109,974 | $183,539-40.1% | $155,556-29.3% | $145,897-24.6% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 8.03% | 61.31%-53.3pp | 64.84%-56.8pp | 552.29%-544.3pp |
| Employer contribution / active EE | $6,408 | $5,315+20.6% | $4,675+37.1% | $4,663+37.4% |
| Participant deferral / active EE | $6,906 | $6,467+6.8% | $5,631+22.7% | $6,689+3.2% |
| Admin fee / account holder | $1,960 | $19,275-89.8% | $15,885-87.7% | $13,390-85.4% |