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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 | $42,228 | $162,136-74.0% | $152,301-72.3% | $154,746-72.7% |
| Participation rate | 100.0% | 84.1%+15.9pp | 82.4%+17.6pp | 80.7%+19.3pp |
| Annual return | 10.28% | 91.02%-80.7pp | 80.50%-70.2pp | 172.34%-162.1pp |
| Employer contribution / active EE | $3,219 | $4,890-34.2% | $4,624-30.4% | $4,379-26.5% |
| Participant deferral / active EE | $7,542 | $8,341-9.6% | $8,004-5.8% | $6,730+12.1% |
| Admin fee / account holder | $2,873 | $15,759-81.8% | $14,398-80.0% | $14,365-80.0% |