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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 | $194,608 | $176,794+10.1% | $146,647+32.7% | $167,553+16.1% |
| Participation rate | 100.0% | 83.6%+16.4pp | 80.1%+19.9pp | 82.1%+17.9pp |
| Annual return | 7.05% | 24.04%-17.0pp | 22.75%-15.7pp | 478.89%-471.8pp |
| Employer contribution / active EE | $8,638 | $5,161+67.4% | $4,137+108.8% | $4,840+78.5% |
| Participant deferral / active EE | $4,771 | $6,440-25.9% | $5,506-13.3% | $6,343-24.8% |
| Admin fee / account holder | $6,646 | $13,262-49.9% | $10,281-35.4% | $12,316-46.0% |