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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 | $219,721 | $198,457+10.7% | $170,435+28.9% | $147,586+48.9% |
| Participation rate | 100.0% | 88.0%+12.0pp | 83.6%+16.4pp | 82.8%+17.2pp |
| Annual return | 7.59% | 257.30%-249.7pp | 205.94%-198.3pp | 578.59%-571.0pp |
| Employer contribution / active EE | $15,332 | $6,183+148.0% | $5,432+182.2% | $4,876+214.4% |
| Participant deferral / active EE | $10,120 | $5,629+79.8% | $4,939+104.9% | $5,439+86.1% |
| Admin fee / account holder | $1,482 | $16,852-91.2% | $13,881-89.3% | $10,886-86.4% |