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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 | $126,641 | $110,212+14.9% | $96,534+31.2% | $139,466-9.2% |
| Participation rate | 100.0% | 78.1%+21.9pp | 76.0%+24.0pp | 80.3%+19.7pp |
| Annual return | 9.16% | 26.42%-17.3pp | 25.88%-16.7pp | 373.66%-364.5pp |
| Employer contribution / active EE | $14,801 | $3,620+308.9% | $2,965+399.1% | $4,754+211.3% |
| Participant deferral / active EE | $10,936 | $5,547+97.1% | $4,851+125.4% | $6,712+62.9% |
| Admin fee / account holder | $2,051 | $11,599-82.3% | $8,253-75.1% | $11,409-82.0% |