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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 | $204,161 | $183,592+11.2% | $155,567+31.2% | $145,959+39.9% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 6.28% | 61.24%-55.0pp | 64.74%-58.5pp | 561.95%-555.7pp |
| Employer contribution / active EE | $21,467 | $5,315+303.9% | $4,674+359.3% | $4,661+360.6% |
| Participant deferral / active EE | $11,556 | $6,464+78.8% | $5,628+105.3% | $6,689+72.8% |
| Admin fee / account holder | $1,172 | $19,318-93.9% | $15,916-92.6% | $13,398-91.3% |