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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 | $140,132 | $168,635-16.9% | $147,617-5.1% | $125,389+11.8% |
| Participation rate | 100.0% | 88.8%+11.2pp | 84.6%+15.4pp | 83.2%+16.8pp |
| Annual return | -5.05% | 77.65%-82.7pp | 61.98%-67.0pp | 282.24%-287.3pp |
| Employer contribution / active EE | $11,266 | $6,252+80.2% | $5,564+102.5% | $4,866+131.5% |
| Participant deferral / active EE | $13,910 | $5,507+152.6% | $4,895+184.1% | $5,352+159.9% |
| Admin fee / account holder | $16,299 | $13,580+20.0% | $11,612+40.4% | $9,541+70.8% |