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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 | $123,185 | $154,228-20.1% | $145,433-15.3% | $137,256-10.3% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 10.27% | 74.59%-64.3pp | 66.58%-56.3pp | 220.34%-210.1pp |
| Employer contribution / active EE | $68,275 | $4,804+1321.2% | $4,554+1399.1% | $4,156+1542.8% |
| Participant deferral / active EE | $29,106 | $8,216+254.2% | $7,897+268.6% | $6,407+354.3% |
| Admin fee / account holder | $27,627 | $14,344+92.6% | $13,129+110.4% | $12,270+125.2% |