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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 | $159,724 | $135,956+17.5% | $123,894+28.9% | $273,972-41.7% |
| Participation rate | 100.0% | 84.1%+15.9pp | 81.4%+18.6pp | 83.0%+17.0pp |
| Annual return | 2.18% | 56.63%-54.5pp | 47.52%-45.3pp | 41.46%-39.3pp |
| Employer contribution / active EE | $12,805 | $5,170+147.7% | $4,617+177.4% | $4,869+163.0% |
| Participant deferral / active EE | $5,417 | $6,343-14.6% | $5,984-9.5% | $5,287+2.5% |
| Admin fee / account holder | $23,428 | $9,817+138.6% | $8,357+180.3% | $10,133+131.2% |