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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 | $162,388 | $232,540-30.2% | $185,117-12.3% | $147,586+10.0% |
| Participation rate | 100.0% | 82.4%+17.6pp | 77.3%+22.7pp | 82.8%+17.2pp |
| Annual return | 6.08% | 43.03%-37.0pp | 40.50%-34.4pp | 578.59%-572.5pp |
| Employer contribution / active EE | $8,834 | $5,195+70.0% | $4,182+111.2% | $4,876+81.1% |
| Participant deferral / active EE | $9,056 | $5,834+55.2% | $5,045+79.5% | $5,439+66.5% |
| Admin fee / account holder | $3,739 | $10,275-63.6% | $8,159-54.2% | $10,886-65.6% |