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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 | $110,274 | $95,959+14.9% | $97,411+13.2% | $138,895-20.6% |
| Participation rate | 100.0% | 81.8%+18.2pp | 80.4%+19.6pp | 79.9%+20.1pp |
| Annual return | 9.99% | 29.30%-19.3pp | 34.72%-24.7pp | 145.39%-135.4pp |
| Employer contribution / active EE | $11,669 | $4,278+172.7% | $4,210+177.2% | $4,194+178.2% |
| Participant deferral / active EE | $2,683 | $5,876-54.3% | $5,886-54.4% | $6,396-58.1% |
| Admin fee / account holder | $889 | $7,555-88.2% | $7,145-87.6% | $12,562-92.9% |