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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 | $240,721 | $183,516+31.2% | $155,534+54.8% | $145,884+65.0% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 6.30% | 61.43%-55.1pp | 64.92%-58.6pp | 551.85%-545.5pp |
| Employer contribution / active EE | $10,336 | $5,315+94.5% | $4,675+121.1% | $4,662+121.7% |
| Participant deferral / active EE | $11,093 | $6,467+71.5% | $5,630+97.0% | $6,690+65.8% |
| Admin fee / account holder | $465 | $19,293-97.6% | $15,900-97.1% | $13,392-96.5% |