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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 | $86,856 | $124,330-30.1% | $109,173-20.4% | $167,536-48.2% |
| Participation rate | 100.0% | 79.5%+20.5pp | 75.9%+24.1pp | 82.1%+17.9pp |
| Annual return | 6.97% | 26.04%-19.1pp | 25.75%-18.8pp | 478.82%-471.9pp |
| Employer contribution / active EE | $8,333 | $4,209+98.0% | $3,723+123.8% | $4,839+72.2% |
| Participant deferral / active EE | $7,629 | $5,256+45.1% | $4,654+63.9% | $6,342+20.3% |
| Admin fee / account holder | $684 | $7,974-91.4% | $6,755-89.9% | $12,315-94.4% |