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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 | $204,333 | $184,000+11.1% | $162,185+26.0% | $152,909+33.6% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.6%+12.4pp | 82.5%+17.5pp |
| Annual return | 9.40% | 150.80%-141.4pp | 115.61%-106.2pp | 345.46%-336.1pp |
| Employer contribution / active EE | $15,750 | $6,370+147.2% | $5,613+180.6% | $4,764+230.6% |
| Participant deferral / active EE | $25,000 | $8,033+211.2% | $7,297+242.6% | $5,851+327.3% |
| Admin fee / account holder | $1,257 | $13,124-90.4% | $10,844-88.4% | $11,601-89.2% |