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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 | $142,488 | $154,228-7.6% | $145,433-2.0% | $137,256+3.8% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 9.76% | 74.59%-64.8pp | 66.58%-56.8pp | 220.34%-210.6pp |
| Employer contribution / active EE | $20,430 | $4,804+325.3% | $4,554+348.6% | $4,156+391.6% |
| Participant deferral / active EE | $19,936 | $8,216+142.6% | $7,897+152.4% | $6,407+211.2% |
| Admin fee / account holder | $55,447 | $14,344+286.6% | $13,129+322.3% | $12,270+351.9% |