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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 | $113,542 | $111,814+1.5% | $103,378+9.8% | $145,978-22.2% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 7.47% | 24.80%-17.3pp | 24.91%-17.4pp | 550.52%-543.1pp |
| Employer contribution / active EE | $3,791 | $4,215-10.1% | $3,870-2.0% | $4,662-18.7% |
| Participant deferral / active EE | $11,502 | $5,618+104.7% | $5,058+127.4% | $6,690+71.9% |
| Admin fee / account holder | $430 | $9,764-95.6% | $8,401-94.9% | $13,400-96.8% |