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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 | $198,456 | $183,516+8.1% | $155,534+27.6% | $145,884+36.0% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 4.31% | 61.43%-57.1pp | 64.92%-60.6pp | 551.85%-547.5pp |
| Employer contribution / active EE | $7,210 | $5,315+35.7% | $4,675+54.2% | $4,662+54.6% |
| Participant deferral / active EE | $5,470 | $6,467-15.4% | $5,630-2.8% | $6,690-18.2% |
| Admin fee / account holder | $1,301 | $19,293-93.3% | $15,900-91.8% | $13,392-90.3% |