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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 | $222,031 | $157,304+41.1% | $141,197+57.2% | $152,909+45.2% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 12.07% | 64.34%-52.3pp | 71.41%-59.3pp | 345.46%-333.4pp |
| Employer contribution / active EE | $3,004 | $5,263-42.9% | $4,736-36.6% | $4,764-36.9% |
| Participant deferral / active EE | $10,797 | $7,111+51.8% | $6,710+60.9% | $5,851+84.5% |
| Admin fee / account holder | $434 | $12,126-96.4% | $10,265-95.8% | $11,601-96.3% |