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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 | $90,538+107.6% | $88,457+112.5% | $154,746+21.5% |
| Participation rate | 100.0% | 80.9%+19.1pp | 78.6%+21.4pp | 80.7%+19.3pp |
| Annual return | 11.12% | 37.97%-26.8pp | 32.69%-21.6pp | 172.34%-161.2pp |
| Employer contribution / active EE | $12,449 | $4,914+153.3% | $4,681+165.9% | $4,379+184.3% |
| Participant deferral / active EE | $10,581 | $6,073+74.2% | $5,667+86.7% | $6,730+57.2% |
| Admin fee / account holder | $980 | $10,337-90.5% | $9,606-89.8% | $14,365-93.2% |