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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 | $102,112 | $175,259-41.7% | $149,723-31.8% | $139,487-26.8% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 5.03% | 166.82%-161.8pp | 134.50%-129.5pp | 373.84%-368.8pp |
| Employer contribution / active EE | $3,333 | $5,478-39.2% | $4,821-30.9% | $4,755-29.9% |
| Participant deferral / active EE | $10,280 | $6,522+57.6% | $5,682+80.9% | $6,713+53.1% |
| Admin fee / account holder | $2,226 | $16,158-86.2% | $13,215-83.2% | $11,407-80.5% |