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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 | $203,286 | $166,242+22.3% | $165,071+23.2% | $145,884+39.3% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.6%+21.4pp | 80.3%+19.7pp |
| Annual return | 8.19% | 100.44%-92.3pp | 70.17%-62.0pp | 551.85%-543.7pp |
| Employer contribution / active EE | $17,273 | $5,283+227.0% | $4,347+297.3% | $4,662+270.5% |
| Participant deferral / active EE | $3,553 | $6,964-49.0% | $6,035-41.1% | $6,690-46.9% |
| Admin fee / account holder | $10,432 | $16,658-37.4% | $12,695-17.8% | $13,392-22.1% |