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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 | $239,178 | $174,379+37.2% | $152,093+57.3% | $138,895+72.2% |
| Participation rate | 100.0% | 81.6%+18.4pp | 77.8%+22.2pp | 79.9%+20.1pp |
| Annual return | 10.95% | 74.86%-63.9pp | 66.36%-55.4pp | 145.39%-134.4pp |
| Employer contribution / active EE | $6,541 | $4,652+40.6% | $4,175+56.7% | $4,194+55.9% |
| Participant deferral / active EE | $8,994 | $6,159+46.0% | $5,451+65.0% | $6,396+40.6% |
| Admin fee / account holder | $70,903 | $16,880+320.0% | $14,497+389.1% | $12,562+464.4% |