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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 | $221,196 | $198,457+11.5% | $170,435+29.8% | $147,586+49.9% |
| Participation rate | 100.0% | 88.0%+12.0pp | 83.6%+16.4pp | 82.8%+17.2pp |
| Annual return | 5.42% | 257.30%-251.9pp | 205.94%-200.5pp | 578.59%-573.2pp |
| Employer contribution / active EE | $15,422 | $6,183+149.4% | $5,432+183.9% | $4,876+216.3% |
| Participant deferral / active EE | $9,665 | $5,629+71.7% | $4,939+95.7% | $5,439+77.7% |
| Admin fee / account holder | $933 | $16,852-94.5% | $13,881-93.3% | $10,886-91.4% |