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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 | $73,556 | $105,856-30.5% | $90,161-18.4% | $147,586-50.2% |
| Participation rate | 100.0% | 79.7%+20.3pp | 76.9%+23.1pp | 82.8%+17.2pp |
| Annual return | 4.70% | 37.63%-32.9pp | 34.89%-30.2pp | 578.59%-573.9pp |
| Employer contribution / active EE | $8,727 | $4,126+111.5% | $3,318+163.0% | $4,876+79.0% |
| Participant deferral / active EE | $8,755 | $5,733+52.7% | $5,287+65.6% | $5,439+61.0% |
| Admin fee / account holder | $355 | $8,046-95.6% | $5,943-94.0% | $10,886-96.7% |