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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 | $95,154 | $110,337-13.8% | $102,383-7.1% | $145,877-34.8% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 8.91% | 24.83%-15.9pp | 24.94%-16.0pp | 551.28%-542.4pp |
| Employer contribution / active EE | $7,507 | $4,216+78.1% | $3,870+94.0% | $4,663+61.0% |
| Participant deferral / active EE | $24,207 | $5,621+330.7% | $5,060+378.4% | $6,691+261.8% |
| Admin fee / account holder | $1,638 | $9,750-83.2% | $8,391-80.5% | $13,402-87.8% |