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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 | $183,592-52.1% | $155,574-43.5% | $145,877-39.8% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 6.99% | 61.37%-54.4pp | 64.87%-57.9pp | 551.28%-544.3pp |
| Employer contribution / active EE | $2,375 | $5,317-55.3% | $4,676-49.2% | $4,663-49.1% |
| Participant deferral / active EE | $2,371 | $6,466-63.3% | $5,629-57.9% | $6,691-64.6% |
| Admin fee / account holder | $1,212 | $19,316-93.7% | $15,914-92.4% | $13,402-91.0% |