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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 | $209,791 | $223,823-6.3% | $211,142-0.6% | $154,746+35.6% |
| Participation rate | 100.0% | 87.9%+12.1pp | 87.3%+12.7pp | 80.7%+19.3pp |
| Annual return | 4.11% | 50.39%-46.3pp | 46.84%-42.7pp | 172.34%-168.2pp |
| Employer contribution / active EE | $6,525 | $6,787-3.9% | $6,442+1.3% | $4,379+49.0% |
| Participant deferral / active EE | $17,991 | $9,750+84.5% | $9,284+93.8% | $6,730+167.3% |
| Admin fee / account holder | $464,490 | $19,707+2257.0% | $19,076+2335.0% | $14,365+3133.4% |