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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 | $221,004 | $160,028+38.1% | $147,080+50.3% | $145,884+51.5% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 7.83% | 98.60%-90.8pp | 420.17%-412.3pp | 551.85%-544.0pp |
| Employer contribution / active EE | $15,778 | $5,286+198.5% | $4,933+219.8% | $4,662+238.4% |
| Participant deferral / active EE | $28,915 | $8,422+243.3% | $8,066+258.5% | $6,690+332.2% |
| Admin fee / account holder | $2,162 | $15,030-85.6% | $12,989-83.4% | $13,392-83.9% |