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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 | $217,855 | $100,970+115.8% | $96,576+125.6% | $137,256+58.7% |
| Participation rate | 100.0% | 82.6%+17.4pp | 81.4%+18.6pp | 80.0%+20.0pp |
| Annual return | 11.94% | 38.16%-26.2pp | 38.47%-26.5pp | 220.34%-208.4pp |
| Employer contribution / active EE | $204 | $3,809-94.6% | $3,553-94.3% | $4,156-95.1% |
| Participant deferral / active EE | $8,411 | $8,286+1.5% | $7,956+5.7% | $6,407+31.3% |
| Admin fee / account holder | $1,794 | $11,312-84.1% | $11,381-84.2% | $12,270-85.4% |