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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 | $215,624 | $148,623+45.1% | $135,974+58.6% | $139,466+54.6% |
| Participation rate | 80.0% | 83.9%-3.9pp | 81.9%-1.9pp | 80.3%-0.3pp |
| Annual return | 10.74% | 79.30%-68.6pp | 68.30%-57.6pp | 373.66%-362.9pp |
| Employer contribution / active EE | $10,529 | $5,246+100.7% | $4,859+116.7% | $4,754+121.5% |
| Participant deferral / active EE | $14,173 | $8,103+74.9% | $7,760+82.6% | $6,712+111.2% |
| Admin fee / account holder | $522 | $12,406-95.8% | $10,767-95.2% | $11,409-95.4% |