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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 | $201,202 | $183,539+9.6% | $155,556+29.3% | $145,897+37.9% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 7.30% | 61.31%-54.0pp | 64.84%-57.5pp | 552.29%-545.0pp |
| Employer contribution / active EE | $10,697 | $5,315+101.3% | $4,675+128.8% | $4,663+129.4% |
| Participant deferral / active EE | $4,478 | $6,467-30.8% | $5,631-20.5% | $6,689-33.1% |
| Admin fee / account holder | $9,948 | $19,275-48.4% | $15,885-37.4% | $13,390-25.7% |