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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 | $182,240 | $148,582+22.7% | $135,942+34.1% | $139,456+30.7% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 11.93% | 79.26%-67.3pp | 68.28%-56.4pp | 373.45%-361.5pp |
| Employer contribution / active EE | $5,589 | $5,245+6.6% | $4,858+15.0% | $4,753+17.6% |
| Participant deferral / active EE | $17,623 | $8,101+117.5% | $7,759+127.1% | $6,711+162.6% |
| Admin fee / account holder | $9,780 | $12,402-21.1% | $10,764-9.1% | $11,407-14.3% |