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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 | $84,142 | $162,136-48.1% | $152,301-44.8% | $154,746-45.6% |
| Participation rate | 100.0% | 84.1%+15.9pp | 82.4%+17.6pp | 80.7%+19.3pp |
| Annual return | 7.63% | 91.02%-83.4pp | 80.50%-72.9pp | 172.34%-164.7pp |
| Employer contribution / active EE | $6,276 | $4,890+28.3% | $4,624+35.7% | $4,379+43.3% |
| Participant deferral / active EE | $15,853 | $8,341+90.1% | $8,004+98.1% | $6,730+135.5% |
| Admin fee / account holder | $1,738 | $15,759-89.0% | $14,398-87.9% | $14,365-87.9% |