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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 | $162,136-12.1% | $152,301-6.4% | $154,746-7.9% |
| Participation rate | 100.0% | 84.1%+15.9pp | 82.4%+17.6pp | 80.7%+19.3pp |
| Annual return | 9.76% | 91.02%-81.3pp | 80.50%-70.7pp | 172.34%-162.6pp |
| Employer contribution / active EE | $20,430 | $4,890+317.8% | $4,624+341.8% | $4,379+366.5% |
| Participant deferral / active EE | $19,936 | $8,341+139.0% | $8,004+149.1% | $6,730+196.2% |
| Admin fee / account holder | $55,447 | $15,759+251.8% | $14,398+285.1% | $14,365+286.0% |