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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 | $102,463 | $103,393-0.9% | $87,103+17.6% | $152,909-33.0% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.9%+23.1pp | 82.5%+17.5pp |
| Annual return | 9.67% | 28.10%-18.4pp | 28.19%-18.5pp | 345.46%-335.8pp |
| Employer contribution / active EE | $12,302 | $3,221+281.9% | $2,521+387.9% | $4,764+158.2% |
| Participant deferral / active EE | $16,758 | $4,778+250.7% | $4,049+313.9% | $5,851+186.4% |
| Admin fee / account holder | $16,401 | $12,195+34.5% | $7,491+118.9% | $11,601+41.4% |