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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 | $123,466 | $110,410+11.8% | $102,437+20.5% | $145,897-15.4% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 7.83% | 24.85%-17.0pp | 24.95%-17.1pp | 552.29%-544.5pp |
| Employer contribution / active EE | $18,920 | $4,217+348.7% | $3,871+388.8% | $4,663+305.8% |
| Participant deferral / active EE | $10,524 | $5,622+87.2% | $5,060+108.0% | $6,689+57.3% |
| Admin fee / account holder | $1,234 | $9,745-87.3% | $8,388-85.3% | $13,390-90.8% |