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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 | $157,028 | $176,786-11.2% | $146,643+7.1% | $167,536-6.3% |
| Participation rate | 100.0% | 83.6%+16.4pp | 80.1%+19.9pp | 82.1%+17.9pp |
| Annual return | 5.52% | 24.04%-18.5pp | 22.75%-17.2pp | 478.82%-473.3pp |
| Employer contribution / active EE | $12,850 | $5,161+149.0% | $4,137+210.6% | $4,839+165.5% |
| Participant deferral / active EE | $9,340 | $6,440+45.0% | $5,506+69.6% | $6,342+47.3% |
| Admin fee / account holder | $74,296 | $13,262+460.2% | $10,280+622.7% | $12,315+503.3% |