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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 | $191,986 | $148,629+29.2% | $135,982+41.2% | $139,487+37.6% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 11.03% | 79.33%-68.3pp | 68.32%-57.3pp | 373.84%-362.8pp |
| Employer contribution / active EE | $16,726 | $5,247+218.8% | $4,859+244.2% | $4,755+251.8% |
| Participant deferral / active EE | $16,970 | $8,102+109.4% | $7,760+118.7% | $6,713+152.8% |
| Admin fee / account holder | $3,789 | $12,406-69.5% | $10,767-64.8% | $11,407-66.8% |