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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 | $119,624 | $175,231-31.7% | $149,696-20.1% | $139,466-14.2% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 10.66% | 166.77%-156.1pp | 134.46%-123.8pp | 373.66%-363.0pp |
| Employer contribution / active EE | $8,523 | $5,478+55.6% | $4,821+76.8% | $4,754+79.3% |
| Participant deferral / active EE | $7,448 | $6,521+14.2% | $5,682+31.1% | $6,712+11.0% |
| Admin fee / account holder | $5,959 | $16,155-63.1% | $13,212-54.9% | $11,409-47.8% |