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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 | $125,307 | $156,398-19.9% | $147,318-14.9% | $138,895-9.8% |
| Participation rate | 75.0% | 83.8%-8.8pp | 82.1%-7.1pp | 79.9%-4.9pp |
| Annual return | 10.28% | 78.75%-68.5pp | 70.43%-60.1pp | 145.39%-135.1pp |
| Employer contribution / active EE | $27,111 | $4,853+458.6% | $4,593+490.3% | $4,194+546.4% |
| Participant deferral / active EE | $11,750 | $8,237+42.6% | $7,906+48.6% | $6,396+83.7% |
| Admin fee / account holder | $929 | $14,976-93.8% | $13,708-93.2% | $12,562-92.6% |