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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 | $160,767 | $217,432-26.1% | $185,849-13.5% | $167,536-4.0% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 6.01% | 148.42%-142.4pp | 122.10%-116.1pp | 478.82%-472.8pp |
| Employer contribution / active EE | $4,788 | $5,875-18.5% | $5,169-7.4% | $4,839-1.1% |
| Participant deferral / active EE | $2,354 | $6,357-63.0% | $5,569-57.7% | $6,342-62.9% |
| Admin fee / account holder | $51,615 | $19,818+160.4% | $16,244+217.8% | $12,315+319.1% |