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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 | $141,819 | $162,136-12.5% | $152,301-6.9% | $154,746-8.4% |
| Participation rate | 100.0% | 84.1%+15.9pp | 82.4%+17.6pp | 80.7%+19.3pp |
| Annual return | 9.14% | 91.02%-81.9pp | 80.50%-71.4pp | 172.34%-163.2pp |
| Employer contribution / active EE | $27,164 | $4,890+455.5% | $4,624+487.4% | $4,379+520.3% |
| Participant deferral / active EE | $17,267 | $8,341+107.0% | $8,004+115.7% | $6,730+156.5% |
| Admin fee / account holder | $8,167 | $15,759-48.2% | $14,398-43.3% | $14,365-43.1% |