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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 | $187,802 | $162,785+15.4% | $133,959+40.2% | $158,950+18.2% |
| Participation rate | 100.0% | 83.2%+16.8pp | 79.8%+20.2pp | 82.0%+18.0pp |
| Annual return | -3.11% | 41.94%-45.0pp | 45.09%-48.2pp | 302.91%-306.0pp |
| Employer contribution / active EE | $16,489 | $4,975+231.4% | $3,919+320.8% | $4,762+246.3% |
| Participant deferral / active EE | $13,810 | $5,910+133.7% | $5,047+173.6% | $5,983+130.8% |
| Admin fee / account holder | $1,091 | $11,738-90.7% | $8,928-87.8% | $11,248-90.3% |