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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 | $161,729 | $148,629+8.8% | $135,982+18.9% | $139,487+15.9% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 11.96% | 79.33%-67.4pp | 68.32%-56.4pp | 373.84%-361.9pp |
| Employer contribution / active EE | $9,027 | $5,247+72.1% | $4,859+85.8% | $4,755+89.9% |
| Participant deferral / active EE | $7,671 | $8,102-5.3% | $7,760-1.1% | $6,713+14.3% |
| Admin fee / account holder | $332 | $12,406-97.3% | $10,767-96.9% | $11,407-97.1% |