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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 | $99,734 | $129,737-23.1% | $119,126-16.3% | $154,746-35.5% |
| Participation rate | 100.0% | 78.9%+21.1pp | 75.8%+24.2pp | 80.7%+19.3pp |
| Annual return | 9.44% | 379.08%-369.6pp | 282.11%-272.7pp | 172.34%-162.9pp |
| Employer contribution / active EE | $3,585 | $4,375-18.0% | $4,034-11.1% | $4,379-18.1% |
| Participant deferral / active EE | $6,180 | $5,842+5.8% | $5,318+16.2% | $6,730-8.2% |
| Admin fee / account holder | $1,441 | $11,961-87.9% | $10,693-86.5% | $14,365-90.0% |