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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 | $82,849 | $108,912-23.9% | $100,383-17.5% | $145,959-43.2% |
| Participation rate | 100.0% | 83.0%+17.0pp | 81.5%+18.5pp | 80.3%+19.7pp |
| Annual return | 9.54% | 57.96%-48.4pp | 49.26%-39.7pp | 561.95%-552.4pp |
| Employer contribution / active EE | $5,778 | $4,423+30.6% | $3,944+46.5% | $4,661+24.0% |
| Participant deferral / active EE | $13,050 | $8,451+54.4% | $8,086+61.4% | $6,689+95.1% |
| Admin fee / account holder | $20,145 | $9,690+107.9% | $7,900+155.0% | $13,398+50.4% |