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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 | $90,286 | $110,410-18.2% | $102,437-11.9% | $145,897-38.1% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 7.01% | 24.85%-17.8pp | 24.95%-17.9pp | 552.29%-545.3pp |
| Employer contribution / active EE | $9,693 | $4,217+129.8% | $3,871+150.4% | $4,663+107.9% |
| Participant deferral / active EE | $12,297 | $5,622+118.7% | $5,060+143.0% | $6,689+83.8% |
| Admin fee / account holder | $3,814 | $9,745-60.9% | $8,388-54.5% | $13,390-71.5% |