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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 | $157,318 | $114,119+37.9% | $107,187+46.8% | $138,895+13.3% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 79.9%+20.1pp |
| Annual return | 8.94% | 273.21%-264.3pp | 204.55%-195.6pp | 145.39%-136.5pp |
| Employer contribution / active EE | $20,475 | $4,059+404.5% | $3,782+441.3% | $4,194+388.2% |
| Participant deferral / active EE | $13,050 | $5,538+135.6% | $5,096+156.1% | $6,396+104.0% |
| Admin fee / account holder | $1,526 | $10,024-84.8% | $9,162-83.4% | $12,562-87.9% |