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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 | $189,462 | $125,184+51.3% | $105,607+79.4% | $145,884+29.9% |
| Participation rate | 100.0% | 77.6%+22.4pp | 75.3%+24.7pp | 80.3%+19.7pp |
| Annual return | 7.31% | 225.00%-217.7pp | 116.11%-108.8pp | 551.85%-544.5pp |
| Employer contribution / active EE | $6,152 | $3,720+65.4% | $3,167+94.2% | $4,662+31.9% |
| Participant deferral / active EE | $16,074 | $5,714+181.3% | $5,011+220.7% | $6,690+140.3% |
| Admin fee / account holder | $33,139 | $17,133+93.4% | $10,958+202.4% | $13,392+147.5% |