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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 | $132,868 | $156,398-15.0% | $147,318-9.8% | $138,895-4.3% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 79.9%+20.1pp |
| Annual return | 7.17% | 78.75%-71.6pp | 70.43%-63.3pp | 145.39%-138.2pp |
| Employer contribution / active EE | $12,062 | $4,853+148.5% | $4,593+162.6% | $4,194+187.6% |
| Participant deferral / active EE | $10,380 | $8,237+26.0% | $7,906+31.3% | $6,396+62.3% |
| Admin fee / account holder | $13,671 | $14,976-8.7% | $13,708-0.3% | $12,562+8.8% |