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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 | $119,024 | $183,539-35.2% | $155,556-23.5% | $145,897-18.4% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 7.87% | 61.31%-53.4pp | 64.84%-57.0pp | 552.29%-544.4pp |
| Employer contribution / active EE | $8,744 | $5,315+64.5% | $4,675+87.0% | $4,663+87.5% |
| Participant deferral / active EE | $6,483 | $6,467+0.2% | $5,631+15.1% | $6,689-3.1% |
| Admin fee / account holder | $4,241 | $19,275-78.0% | $15,885-73.3% | $13,390-68.3% |