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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 | $118,617 | $185,312-36.0% | $161,489-26.5% | $154,746-23.3% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.7%+21.3pp | 80.7%+19.3pp |
| Annual return | 7.07% | 103.84%-96.8pp | 89.72%-82.7pp | 172.34%-165.3pp |
| Employer contribution / active EE | $15,411 | $4,769+223.1% | $4,268+261.1% | $4,379+251.9% |
| Participant deferral / active EE | $13,387 | $6,350+110.8% | $5,630+137.8% | $6,730+98.9% |
| Admin fee / account holder | $458 | $18,654-97.5% | $16,006-97.1% | $14,365-96.8% |