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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 | $153,379 | $72,071+112.8% | $68,368+124.3% | $137,256+11.7% |
| Participation rate | 100.0% | 76.2%+23.8pp | 73.8%+26.2pp | 80.0%+20.0pp |
| Annual return | 12.19% | 353.14%-340.9pp | 292.57%-280.4pp | 220.34%-208.1pp |
| Employer contribution / active EE | $9,725 | $2,788+248.8% | $2,649+267.1% | $4,156+134.0% |
| Participant deferral / active EE | $8,829 | $4,410+100.2% | $4,123+114.1% | $6,407+37.8% |
| Admin fee / account holder | $785 | $5,336-85.3% | $5,150-84.7% | $12,270-93.6% |