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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 | $90,018 | $211,224-57.4% | $178,505-49.6% | $145,897-38.3% |
| Participation rate | 100.0% | 80.8%+19.2pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 3.91% | 30.28%-26.4pp | 27.16%-23.2pp | 552.29%-548.4pp |
| Employer contribution / active EE | $3,621 | $4,577-20.9% | $3,955-8.5% | $4,663-22.4% |
| Participant deferral / active EE | $16,891 | $6,966+142.5% | $6,280+168.9% | $6,689+152.5% |
| Admin fee / account holder | $1,688 | $12,109-86.1% | $10,428-83.8% | $13,390-87.4% |