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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 | $126,672 | $124,346+1.9% | $111,308+13.8% | $167,536-24.4% |
| Participation rate | 100.0% | 79.6%+20.4pp | 77.3%+22.7pp | 82.1%+17.9pp |
| Annual return | 6.30% | 37.45%-31.1pp | 54.67%-48.4pp | 478.82%-472.5pp |
| Employer contribution / active EE | $3,932 | $3,437+14.4% | $2,732+43.9% | $4,839-18.8% |
| Participant deferral / active EE | $6,519 | $5,182+25.8% | $4,487+45.3% | $6,342+2.8% |
| Admin fee / account holder | $9,887 | $10,621-6.9% | $7,965+24.1% | $12,315-19.7% |