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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 | $84,570+122.3% | $85,946+118.7% | $155,188+21.1% |
| Participation rate | 100.0% | 78.8%+21.2pp | 77.2%+22.8pp | 80.8%+19.2pp |
| Annual return | 11.12% | 35.96%-24.8pp | 31.33%-20.2pp | 148.84%-137.7pp |
| Employer contribution / active EE | $12,449 | $4,651+167.6% | $4,539+174.2% | $4,248+193.1% |
| Participant deferral / active EE | $10,581 | $5,847+81.0% | $5,465+93.6% | $6,531+62.0% |
| Admin fee / account holder | $980 | $12,225-92.0% | $11,250-91.3% | $14,480-93.2% |