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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 | $134,599 | $106,280+26.6% | $96,538+39.4% | $139,487-3.5% |
| Participation rate | 100.0% | 77.8%+22.2pp | 74.3%+25.7pp | 80.3%+19.7pp |
| Annual return | 8.34% | 38.48%-30.1pp | 35.74%-27.4pp | 373.84%-365.5pp |
| Employer contribution / active EE | $2,444 | $4,107-40.5% | $3,740-34.7% | $4,755-48.6% |
| Participant deferral / active EE | $6,908 | $5,457+26.6% | $4,880+41.5% | $6,713+2.9% |
| Admin fee / account holder | $2,773 | $7,888-64.8% | $6,737-58.8% | $11,407-75.7% |