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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 | $169,482 | $106,280+59.5% | $96,538+75.6% | $139,487+21.5% |
| Participation rate | 100.0% | 77.8%+22.2pp | 74.3%+25.7pp | 80.3%+19.7pp |
| Annual return | 8.49% | 38.48%-30.0pp | 35.74%-27.3pp | 373.84%-365.4pp |
| Employer contribution / active EE | $12,271 | $4,107+198.8% | $3,740+228.1% | $4,755+158.1% |
| Participant deferral / active EE | $1,674 | $5,457-69.3% | $4,880-65.7% | $6,713-75.1% |
| Admin fee / account holder | $707 | $7,888-91.0% | $6,737-89.5% | $11,407-93.8% |