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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 | $94,813 | $111,814-15.2% | $103,374-8.3% | $145,959-35.0% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 8.78% | 24.77%-16.0pp | 24.89%-16.1pp | 561.95%-553.2pp |
| Employer contribution / active EE | $3,538 | $4,214-16.0% | $3,869-8.6% | $4,661-24.1% |
| Participant deferral / active EE | $10,216 | $5,618+81.8% | $5,058+102.0% | $6,689+52.7% |
| Admin fee / account holder | $8,015 | $9,754-17.8% | $8,394-4.5% | $13,398-40.2% |