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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 | $182,250 | $154,193+18.2% | $130,045+40.1% | $139,466+30.7% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.5%+21.5pp | 80.3%+19.7pp |
| Annual return | 9.29% | 32.51%-23.2pp | -137.30%+146.6pp | 373.66%-364.4pp |
| Employer contribution / active EE | $4,704 | $5,292-11.1% | $4,321+8.8% | $4,754-1.1% |
| Participant deferral / active EE | $7,500 | $6,709+11.8% | $5,820+28.9% | $6,712+11.7% |
| Admin fee / account holder | $1,938 | $13,989-86.1% | $10,600-81.7% | $11,409-83.0% |