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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 | $192,546 | $166,268+15.8% | $165,100+16.6% | $145,897+32.0% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.6%+21.4pp | 80.3%+19.7pp |
| Annual return | 4.55% | 100.52%-96.0pp | 70.21%-65.7pp | 552.29%-547.7pp |
| Employer contribution / active EE | $18,141 | $5,284+243.3% | $4,348+317.2% | $4,663+289.1% |
| Participant deferral / active EE | $13,765 | $6,964+97.6% | $6,035+128.1% | $6,689+105.8% |
| Admin fee / account holder | $80,010 | $16,659+380.3% | $12,696+530.2% | $13,390+497.5% |