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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 | $136,537 | $105,856+29.0% | $90,161+51.4% | $147,586-7.5% |
| Participation rate | 100.0% | 79.7%+20.3pp | 76.9%+23.1pp | 82.8%+17.2pp |
| Annual return | 0.78% | 37.63%-36.8pp | 34.89%-34.1pp | 578.59%-577.8pp |
| Employer contribution / active EE | $19,355 | $4,126+369.0% | $3,318+483.3% | $4,876+296.9% |
| Participant deferral / active EE | $10,800 | $5,733+88.4% | $5,287+104.3% | $5,439+98.6% |
| Admin fee / account holder | $354 | $8,046-95.6% | $5,943-94.0% | $10,886-96.7% |