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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 | $148,048 | $183,627-19.4% | $155,602-4.9% | $145,978+1.4% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 5.29% | 61.32%-56.0pp | 64.81%-59.5pp | 550.52%-545.2pp |
| Employer contribution / active EE | $9,500 | $5,316+78.7% | $4,675+103.2% | $4,662+103.8% |
| Participant deferral / active EE | $9,693 | $6,466+49.9% | $5,629+72.2% | $6,690+44.9% |
| Admin fee / account holder | $1,664 | $19,327-91.4% | $15,923-89.6% | $13,400-87.6% |