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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 | $118,883 | $108,882+9.2% | $96,754+22.9% | $154,746-23.2% |
| Participation rate | 100.0% | 75.1%+24.9pp | 70.3%+29.7pp | 80.7%+19.3pp |
| Annual return | 8.25% | 98.39%-90.1pp | 82.04%-73.8pp | 172.34%-164.1pp |
| Employer contribution / active EE | $2,327 | $3,018-22.9% | $2,679-13.1% | $4,379-46.9% |
| Participant deferral / active EE | $6,824 | $5,323+28.2% | $4,758+43.4% | $6,730+1.4% |
| Admin fee / account holder | $4,489 | $10,200-56.0% | $8,905-49.6% | $14,365-68.8% |