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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 | $98,208 | $117,859-16.7% | $102,438-4.1% | $145,959-32.7% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 6.32% | 31.72%-25.4pp | 29.37%-23.1pp | 561.95%-555.6pp |
| Employer contribution / active EE | $6,354 | $3,615+75.8% | $3,024+110.1% | $4,661+36.3% |
| Participant deferral / active EE | $9,890 | $5,732+72.5% | $5,054+95.7% | $6,689+47.9% |
| Admin fee / account holder | $1,181 | $13,318-91.1% | $9,448-87.5% | $13,398-91.2% |