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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 | $243,768 | $176,120+38.4% | $159,487+52.8% | $167,553+45.5% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 8.16% | 331.95%-323.8pp | 263.71%-255.5pp | 478.89%-470.7pp |
| Employer contribution / active EE | $10,053 | $5,299+89.7% | $4,831+108.1% | $4,840+107.7% |
| Participant deferral / active EE | $11,115 | $7,752+43.4% | $7,354+51.1% | $6,343+75.2% |
| Admin fee / account holder | $3,454 | $12,561-72.5% | $10,804-68.0% | $12,316-72.0% |