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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 | $249,697 | $156,398+59.7% | $147,318+69.5% | $138,895+79.8% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 79.9%+20.1pp |
| Annual return | 8.91% | 78.75%-69.8pp | 70.43%-61.5pp | 145.39%-136.5pp |
| Employer contribution / active EE | $9,713 | $4,853+100.1% | $4,593+111.5% | $4,194+131.6% |
| Participant deferral / active EE | $15,323 | $8,237+86.0% | $7,906+93.8% | $6,396+139.6% |
| Admin fee / account holder | $2,577 | $14,976-82.8% | $13,708-81.2% | $12,562-79.5% |