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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 | $157,391 | $157,304+0.1% | $141,197+11.5% | $152,909+2.9% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 13.07% | 64.34%-51.3pp | 71.41%-58.3pp | 345.46%-332.4pp |
| Employer contribution / active EE | $2,814 | $5,263-46.5% | $4,736-40.6% | $4,764-40.9% |
| Participant deferral / active EE | $10,499 | $7,111+47.6% | $6,710+56.5% | $5,851+79.4% |
| Admin fee / account holder | $10,014 | $12,126-17.4% | $10,265-2.4% | $11,601-13.7% |