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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 | $88,569 | $209,336-57.7% | $197,124-55.1% | $137,256-35.5% |
| Participation rate | 100.0% | 87.3%+12.7pp | 86.7%+13.3pp | 80.0%+20.0pp |
| Annual return | 8.65% | 48.09%-39.4pp | 44.34%-35.7pp | 220.34%-211.7pp |
| Employer contribution / active EE | $2,166 | $6,591-67.1% | $6,227-65.2% | $4,156-47.9% |
| Participant deferral / active EE | $4,332 | $9,614-54.9% | $9,135-52.6% | $6,407-32.4% |
| Admin fee / account holder | $2,072 | $17,308-88.0% | $16,298-87.3% | $12,270-83.1% |