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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 | $157,855 | $117,895+33.9% | $102,460+54.1% | $145,897+8.2% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 8.00% | 31.92%-23.9pp | 29.47%-21.5pp | 552.29%-544.3pp |
| Employer contribution / active EE | $15,453 | $3,619+327.0% | $3,025+410.8% | $4,663+231.4% |
| Participant deferral / active EE | $11,919 | $5,736+107.8% | $5,056+135.7% | $6,689+78.2% |
| Admin fee / account holder | $1,749 | $13,353-86.9% | $9,460-81.5% | $13,390-86.9% |