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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 | $138,127 | $154,228-10.4% | $145,433-5.0% | $137,256+0.6% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 10.79% | 74.59%-63.8pp | 66.58%-55.8pp | 220.34%-209.5pp |
| Employer contribution / active EE | $12,200 | $4,804+154.0% | $4,554+167.9% | $4,156+193.6% |
| Participant deferral / active EE | $19,933 | $8,216+142.6% | $7,897+152.4% | $6,407+211.1% |
| Admin fee / account holder | $1,125 | $14,344-92.2% | $13,129-91.4% | $12,270-90.8% |