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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 | $106,089 | $124,346-14.7% | $111,308-4.7% | $167,536-36.7% |
| Participation rate | 90.9% | 79.6%+11.3pp | 77.3%+13.6pp | 82.1%+8.8pp |
| Annual return | 7.15% | 37.45%-30.3pp | 54.67%-47.5pp | 478.82%-471.7pp |
| Employer contribution / active EE | $19,556 | $3,437+468.9% | $2,732+615.9% | $4,839+304.1% |
| Participant deferral / active EE | $10,413 | $5,182+101.0% | $4,487+132.0% | $6,342+64.2% |
| Admin fee / account holder | $1,256 | $10,621-88.2% | $7,965-84.2% | $12,315-89.8% |