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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 | $79,340 | $106,247-25.3% | $96,515-17.8% | $139,466-43.1% |
| Participation rate | 100.0% | 77.8%+22.2pp | 74.3%+25.7pp | 80.3%+19.7pp |
| Annual return | 10.28% | 38.47%-28.2pp | 35.73%-25.4pp | 373.66%-363.4pp |
| Employer contribution / active EE | $4,766 | $4,106+16.1% | $3,740+27.5% | $4,754+0.3% |
| Participant deferral / active EE | $16,956 | $5,456+210.8% | $4,880+247.5% | $6,712+152.6% |
| Admin fee / account holder | $612 | $7,885-92.2% | $6,735-90.9% | $11,409-94.6% |