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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 | $105,542 | $110,410-4.4% | $102,437+3.0% | $145,897-27.7% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 3.13% | 24.85%-21.7pp | 24.95%-21.8pp | 552.29%-549.2pp |
| Employer contribution / active EE | $24,619 | $4,217+483.8% | $3,871+536.0% | $4,663+428.0% |
| Participant deferral / active EE | $15,250 | $5,622+171.3% | $5,060+201.4% | $6,689+128.0% |
| Admin fee / account holder | $400 | $9,745-95.9% | $8,388-95.2% | $13,390-97.0% |