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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 | $188,631 | $210,698-10.5% | $178,014+6.0% | $145,959+29.2% |
| Participation rate | 100.0% | 80.8%+19.2pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 7.21% | 386.27%-379.1pp | 294.80%-287.6pp | 561.95%-554.7pp |
| Employer contribution / active EE | $25,208 | $4,567+451.9% | $3,950+538.2% | $4,661+440.8% |
| Participant deferral / active EE | $13,625 | $6,958+95.8% | $6,276+117.1% | $6,689+103.7% |
| Admin fee / account holder | $704 | $12,016-94.1% | $10,362-93.2% | $13,398-94.7% |