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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 | $113,976 | $124,351-8.3% | $109,188+4.4% | $167,553-32.0% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.9%+24.1pp | 82.1%+17.9pp |
| Annual return | 7.16% | 26.04%-18.9pp | 25.76%-18.6pp | 478.89%-471.7pp |
| Employer contribution / active EE | $11,030 | $4,210+162.0% | $3,723+196.2% | $4,840+127.9% |
| Participant deferral / active EE | $1,504 | $5,257-71.4% | $4,654-67.7% | $6,343-76.3% |
| Admin fee / account holder | $389 | $7,975-95.1% | $6,755-94.2% | $12,316-96.8% |