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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 | $87,886 | $183,539-52.1% | $155,556-43.5% | $145,897-39.8% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 6.99% | 61.31%-54.3pp | 64.84%-57.8pp | 552.29%-545.3pp |
| Employer contribution / active EE | $2,375 | $5,315-55.3% | $4,675-49.2% | $4,663-49.1% |
| Participant deferral / active EE | $2,371 | $6,467-63.3% | $5,631-57.9% | $6,689-64.6% |
| Admin fee / account holder | $1,212 | $19,275-93.7% | $15,885-92.4% | $13,390-90.9% |