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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 | $187,986 | $70,532+166.5% | $68,948+172.6% | $137,256+37.0% |
| Participation rate | 100.0% | 81.0%+19.0pp | 79.2%+20.8pp | 80.0%+20.0pp |
| Annual return | 11.12% | 32.56%-21.4pp | 28.39%-17.3pp | 220.34%-209.2pp |
| Employer contribution / active EE | $12,449 | $4,355+185.9% | $4,165+198.9% | $4,156+199.5% |
| Participant deferral / active EE | $10,581 | $6,773+56.2% | $6,186+71.0% | $6,407+65.2% |
| Admin fee / account holder | $980 | $7,916-87.6% | $7,539-87.0% | $12,270-92.0% |