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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 | $184,975 | $148,629+24.5% | $135,982+36.0% | $139,487+32.6% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 10.33% | 79.33%-69.0pp | 68.32%-58.0pp | 373.84%-363.5pp |
| Employer contribution / active EE | $25,000 | $5,247+376.5% | $4,859+414.5% | $4,755+425.8% |
| Participant deferral / active EE | $13,800 | $8,102+70.3% | $7,760+77.8% | $6,713+105.6% |
| Admin fee / account holder | $1,487 | $12,406-88.0% | $10,767-86.2% | $11,407-87.0% |