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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 | $178,099 | $157,304+13.2% | $141,197+26.1% | $152,909+16.5% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 7.79% | 64.34%-56.6pp | 71.41%-63.6pp | 345.46%-337.7pp |
| Employer contribution / active EE | $8,667 | $5,263+64.7% | $4,736+83.0% | $4,764+81.9% |
| Participant deferral / active EE | $8,717 | $7,111+22.6% | $6,710+29.9% | $5,851+49.0% |
| Admin fee / account holder | $3,088 | $12,126-74.5% | $10,265-69.9% | $11,601-73.4% |