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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 | $98,580 | $110,410-10.7% | $102,437-3.8% | $145,897-32.4% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 8.64% | 24.85%-16.2pp | 24.95%-16.3pp | 552.29%-543.7pp |
| Employer contribution / active EE | $18,607 | $4,217+341.2% | $3,871+380.7% | $4,663+299.1% |
| Participant deferral / active EE | $9,226 | $5,622+64.1% | $5,060+82.3% | $6,689+37.9% |
| Admin fee / account holder | $343 | $9,745-96.5% | $8,388-95.9% | $13,390-97.4% |