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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 | $158,926 | $110,379+44.0% | $102,412+55.2% | $145,884+8.9% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 7.57% | 24.84%-17.3pp | 24.94%-17.4pp | 551.85%-544.3pp |
| Employer contribution / active EE | $22,342 | $4,216+429.9% | $3,870+477.3% | $4,662+379.2% |
| Participant deferral / active EE | $3,164 | $5,622-43.7% | $5,060-37.5% | $6,690-52.7% |
| Admin fee / account holder | $19,965 | $9,745+104.9% | $8,388+138.0% | $13,392+49.1% |