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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 | $197,899 | $201,344-1.7% | $184,243+7.4% | $145,877+35.7% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | -1.12% | 29.01%-30.1pp | 28.82%-29.9pp | 551.28%-552.4pp |
| Employer contribution / active EE | $10,547 | $7,022+50.2% | $6,427+64.1% | $4,663+126.2% |
| Participant deferral / active EE | $13,883 | $9,807+41.6% | $9,132+52.0% | $6,691+107.5% |
| Admin fee / account holder | $1,965 | $16,382-88.0% | $13,914-85.9% | $13,402-85.3% |