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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 | $55,871 | $165,399-66.2% | $149,745-62.7% | $158,982-64.9% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 7.80% | 348.34%-340.5pp | 276.72%-268.9pp | 302.99%-295.2pp |
| Employer contribution / active EE | $8,191 | $5,105+60.5% | $4,646+76.3% | $4,763+72.0% |
| Participant deferral / active EE | $5,169 | $7,183-28.0% | $6,843-24.5% | $5,983-13.6% |
| Admin fee / account holder | $583 | $10,811-94.6% | $9,312-93.7% | $11,252-94.8% |