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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 | $114,662 | $110,337+3.9% | $102,383+12.0% | $145,877-21.4% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 7.41% | 24.83%-17.4pp | 24.94%-17.5pp | 551.28%-543.9pp |
| Employer contribution / active EE | $3,034 | $4,216-28.0% | $3,870-21.6% | $4,663-34.9% |
| Participant deferral / active EE | $2,163 | $5,621-61.5% | $5,060-57.3% | $6,691-67.7% |
| Admin fee / account holder | $32,125 | $9,750+229.5% | $8,391+282.8% | $13,402+139.7% |