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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 | $76,153 | $157,296-51.6% | $141,191-46.1% | $152,897-50.2% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 12.35% | 64.34%-52.0pp | 71.41%-59.1pp | 345.43%-333.1pp |
| Employer contribution / active EE | $2,575 | $5,262-51.1% | $4,736-45.6% | $4,764-45.9% |
| Participant deferral / active EE | $7,934 | $7,111+11.6% | $6,710+18.2% | $5,851+35.6% |
| Admin fee / account holder | $354 | $12,125-97.1% | $10,264-96.5% | $11,599-96.9% |