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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 | $101,615 | $87,733+15.8% | $106,555-4.6% | $85,847+18.4% |
| Participation rate | 100.0% | 71.9%+28.1pp | 76.1%+23.9pp | 69.3%+30.7pp |
| Annual return | 8.90% | 21.86%-13.0pp | 26.80%-17.9pp | 318.61%-309.7pp |
| Employer contribution / active EE | $8,506 | $2,073+310.3% | $2,819+201.7% | $2,565+231.6% |
| Participant deferral / active EE | $4,108 | $3,469+18.4% | $4,399-6.6% | $3,952+3.9% |
| Admin fee / account holder | $6,917 | $6,767+2.2% | $7,408-6.6% | $6,261+10.5% |