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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 | $176,156 | $115,814+52.1% | $101,275+73.9% | $158,982+10.8% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 6.61% | 56.16%-49.5pp | 46.48%-39.9pp | 302.99%-296.4pp |
| Employer contribution / active EE | $12,147 | $4,176+190.9% | $3,660+231.9% | $4,763+155.0% |
| Participant deferral / active EE | $8,227 | $4,958+65.9% | $4,371+88.2% | $5,983+37.5% |
| Admin fee / account holder | $15,680 | $7,249+116.3% | $5,948+163.6% | $11,252+39.4% |