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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 | $240,299 | $148,629+61.7% | $135,982+76.7% | $139,487+72.3% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 7.87% | 79.33%-71.5pp | 68.32%-60.5pp | 373.84%-366.0pp |
| Employer contribution / active EE | $30,000 | $5,247+471.8% | $4,859+517.4% | $4,755+531.0% |
| Participant deferral / active EE | $4,088 | $8,102-49.6% | $7,760-47.3% | $6,713-39.1% |
| Admin fee / account holder | $1,555 | $12,406-87.5% | $10,767-85.6% | $11,407-86.4% |