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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 | $100,261 | $154,228-35.0% | $145,433-31.1% | $137,256-27.0% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 10.98% | 74.59%-63.6pp | 66.58%-55.6pp | 220.34%-209.4pp |
| Employer contribution / active EE | $6,650 | $4,804+38.4% | $4,554+46.0% | $4,156+60.0% |
| Participant deferral / active EE | $12,805 | $8,216+55.8% | $7,897+62.1% | $6,407+99.9% |
| Admin fee / account holder | $4,904 | $14,344-65.8% | $13,129-62.6% | $12,270-60.0% |