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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 | $241,957 | $183,539+31.8% | $155,556+55.5% | $145,897+65.8% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 8.22% | 61.31%-53.1pp | 64.84%-56.6pp | 552.29%-544.1pp |
| Employer contribution / active EE | $4,684 | $5,315-11.9% | $4,675+0.2% | $4,663+0.5% |
| Participant deferral / active EE | $4,726 | $6,467-26.9% | $5,631-16.1% | $6,689-29.3% |
| Admin fee / account holder | $7,586 | $19,275-60.6% | $15,885-52.2% | $13,390-43.3% |