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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 | $119,658 | $183,516-34.8% | $155,534-23.1% | $145,884-18.0% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 7.77% | 61.43%-53.7pp | 64.92%-57.1pp | 551.85%-544.1pp |
| Employer contribution / active EE | $11,173 | $5,315+110.2% | $4,675+139.0% | $4,662+139.6% |
| Participant deferral / active EE | $7,421 | $6,467+14.8% | $5,630+31.8% | $6,690+10.9% |
| Admin fee / account holder | $985 | $19,293-94.9% | $15,900-93.8% | $13,392-92.6% |