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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 | $131,958 | $210,510-37.3% | $153,500-14.0% | $145,877-9.5% |
| Participation rate | 100.0% | 82.1%+17.9pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 8.26% | 13.45%-5.2pp | 15.70%-7.4pp | 551.28%-543.0pp |
| Employer contribution / active EE | $1,746 | $6,052-71.1% | $5,039-65.4% | $4,663-62.6% |
| Participant deferral / active EE | $7,713 | $7,974-3.3% | $6,756+14.2% | $6,691+15.3% |
| Admin fee / account holder | $1,572 | $19,455-91.9% | $12,736-87.7% | $13,402-88.3% |