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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 | $202,078 | $183,627+10.0% | $155,602+29.9% | $145,978+38.4% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 5.08% | 61.32%-56.2pp | 64.81%-59.7pp | 550.52%-545.4pp |
| Employer contribution / active EE | $53,042 | $5,316+897.7% | $4,675+1034.5% | $4,662+1037.8% |
| Participant deferral / active EE | $20,552 | $6,466+217.9% | $5,629+265.1% | $6,690+207.2% |
| Admin fee / account holder | $934 | $19,327-95.2% | $15,923-94.1% | $13,400-93.0% |