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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 | $204,382 | $157,304+29.9% | $141,197+44.7% | $152,909+33.7% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 8.12% | 64.34%-56.2pp | 71.41%-63.3pp | 345.46%-337.3pp |
| Employer contribution / active EE | $11,269 | $5,263+114.1% | $4,736+137.9% | $4,764+136.5% |
| Participant deferral / active EE | $6,900 | $7,111-3.0% | $6,710+2.8% | $5,851+17.9% |
| Admin fee / account holder | $494 | $12,126-95.9% | $10,265-95.2% | $11,601-95.7% |