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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 | $123,234 | $135,956-9.4% | $123,894-0.5% | $273,972-55.0% |
| Participation rate | 100.0% | 84.1%+15.9pp | 81.4%+18.6pp | 83.0%+17.0pp |
| Annual return | 3.49% | 56.63%-53.1pp | 47.52%-44.0pp | 41.46%-38.0pp |
| Employer contribution / active EE | $24,711 | $5,170+378.0% | $4,617+435.2% | $4,869+407.5% |
| Participant deferral / active EE | $2,000 | $6,343-68.5% | $5,984-66.6% | $5,287-62.2% |
| Admin fee / account holder | $39,333 | $9,817+300.6% | $8,357+370.7% | $10,133+288.2% |