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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 | $155,065 | $172,111-9.9% | $150,298+3.2% | $137,256+13.0% |
| Participation rate | 100.0% | 81.7%+18.3pp | 77.8%+22.2pp | 80.0%+20.0pp |
| Annual return | 9.79% | 69.37%-59.6pp | 62.79%-53.0pp | 220.34%-210.5pp |
| Employer contribution / active EE | $7,040 | $4,636+51.8% | $4,154+69.5% | $4,156+69.4% |
| Participant deferral / active EE | $8,341 | $6,166+35.3% | $5,453+53.0% | $6,407+30.2% |
| Admin fee / account holder | $332 | $16,471-98.0% | $14,116-97.6% | $12,270-97.3% |