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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 | $243,787 | $88,702+174.8% | $81,780+198.1% | $145,978+67.0% |
| Participation rate | 100.0% | 75.0%+25.0pp | 72.4%+27.6pp | 80.3%+19.7pp |
| Annual return | 9.11% | 1029.12%-1020.0pp | 776.27%-767.2pp | 550.52%-541.4pp |
| Employer contribution / active EE | $11,837 | $3,084+283.8% | $2,914+306.2% | $4,662+153.9% |
| Participant deferral / active EE | $16,796 | $4,645+261.6% | $4,321+288.7% | $6,690+151.1% |
| Admin fee / account holder | $1,151 | $8,414-86.3% | $7,384-84.4% | $13,400-91.4% |