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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 | $149,099 | $124,980+19.3% | $108,359+37.6% | $154,746-3.6% |
| Participation rate | 100.0% | 75.2%+24.8pp | 70.1%+29.9pp | 80.7%+19.3pp |
| Annual return | 7.97% | 45.00%-37.0pp | 36.89%-28.9pp | 172.34%-164.4pp |
| Employer contribution / active EE | $2,757 | $2,851-3.3% | $2,399+14.9% | $4,379-37.0% |
| Participant deferral / active EE | $8,130 | $4,743+71.4% | $4,137+96.5% | $6,730+20.8% |
| Admin fee / account holder | $14,706 | $11,502+27.9% | $9,741+51.0% | $14,365+2.4% |