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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 | $209,456 | $201,259+4.1% | $184,200+13.7% | $145,959+43.5% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 7.14% | 28.98%-21.8pp | 28.80%-21.7pp | 561.95%-554.8pp |
| Employer contribution / active EE | $9,926 | $7,018+41.4% | $6,424+54.5% | $4,661+113.0% |
| Participant deferral / active EE | $6,208 | $9,806-36.7% | $9,132-32.0% | $6,689-7.2% |
| Admin fee / account holder | $4,382 | $16,372-73.2% | $13,907-68.5% | $13,398-67.3% |