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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 | $84,466 | $124,336-32.1% | $111,303-24.1% | $167,518-49.6% |
| Participation rate | 100.0% | 79.6%+20.4pp | 77.3%+22.7pp | 82.1%+17.9pp |
| Annual return | 7.08% | 37.45%-30.4pp | 54.66%-47.6pp | 478.71%-471.6pp |
| Employer contribution / active EE | $13,004 | $3,436+278.4% | $2,731+376.1% | $4,838+168.8% |
| Participant deferral / active EE | $4,334 | $5,181-16.4% | $4,487-3.4% | $6,342-31.7% |
| Admin fee / account holder | $2,530 | $10,623-76.2% | $7,966-68.2% | $12,312-79.4% |