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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 | $27,987 | $157,296-82.2% | $141,191-80.2% | $152,897-81.7% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 13.27% | 64.34%-51.1pp | 71.41%-58.1pp | 345.43%-332.2pp |
| Employer contribution / active EE | $4,238 | $5,262-19.5% | $4,736-10.5% | $4,764-11.0% |
| Participant deferral / active EE | $9,484 | $7,111+33.4% | $6,710+41.3% | $5,851+62.1% |
| Admin fee / account holder | $325 | $12,125-97.3% | $10,264-96.8% | $11,599-97.2% |