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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 | $228,551 | $185,312+23.3% | $161,489+41.5% | $154,746+47.7% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.7%+21.3pp | 80.7%+19.3pp |
| Annual return | 8.68% | 103.84%-95.2pp | 89.72%-81.0pp | 172.34%-163.7pp |
| Employer contribution / active EE | $9,821 | $4,769+105.9% | $4,268+130.1% | $4,379+124.3% |
| Participant deferral / active EE | $12,393 | $6,350+95.2% | $5,630+120.1% | $6,730+84.1% |
| Admin fee / account holder | $6,257 | $18,654-66.5% | $16,006-60.9% | $14,365-56.4% |