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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 | $114,896 | $103,393+11.1% | $87,103+31.9% | $152,909-24.9% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.9%+23.1pp | 82.5%+17.5pp |
| Annual return | 8.35% | 28.10%-19.8pp | 28.19%-19.8pp | 345.46%-337.1pp |
| Employer contribution / active EE | $7,005 | $3,221+117.5% | $2,521+177.8% | $4,764+47.0% |
| Participant deferral / active EE | $5,367 | $4,778+12.3% | $4,049+32.6% | $5,851-8.3% |
| Admin fee / account holder | $13,614 | $12,195+11.6% | $7,491+81.7% | $11,601+17.4% |