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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 | $162,695 | $117,859+38.0% | $102,438+58.8% | $145,959+11.5% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 6.76% | 31.72%-25.0pp | 29.37%-22.6pp | 561.95%-555.2pp |
| Employer contribution / active EE | $7,371 | $3,615+103.9% | $3,024+143.8% | $4,661+58.1% |
| Participant deferral / active EE | $2,753 | $5,732-52.0% | $5,054-45.5% | $6,689-58.8% |
| Admin fee / account holder | $16,654 | $13,318+25.0% | $9,448+76.3% | $13,398+24.3% |