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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 | $197,009 | $183,988+7.1% | $162,177+21.5% | $152,897+28.9% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.6%+12.4pp | 82.5%+17.5pp |
| Annual return | 12.48% | 150.79%-138.3pp | 115.60%-103.1pp | 345.43%-333.0pp |
| Employer contribution / active EE | $3,715 | $6,370-41.7% | $5,613-33.8% | $4,764-22.0% |
| Participant deferral / active EE | $15,651 | $8,032+94.9% | $7,297+114.5% | $5,851+167.5% |
| Admin fee / account holder | $1,776 | $13,123-86.5% | $10,843-83.6% | $11,599-84.7% |