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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 | $41,641 | $198,457-79.0% | $170,435-75.6% | $147,586-71.8% |
| Participation rate | 100.0% | 88.0%+12.0pp | 83.6%+16.4pp | 82.8%+17.2pp |
| Annual return | 7.83% | 257.30%-249.5pp | 205.94%-198.1pp | 578.59%-570.8pp |
| Employer contribution / active EE | $4,314 | $6,183-30.2% | $5,432-20.6% | $4,876-11.5% |
| Participant deferral / active EE | $5,434 | $5,629-3.5% | $4,939+10.0% | $5,439-0.1% |
| Admin fee / account holder | $1,761 | $16,852-89.5% | $13,881-87.3% | $10,886-83.8% |