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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 | $191,079 | $162,136+17.9% | $152,301+25.5% | $154,746+23.5% |
| Participation rate | 100.0% | 84.1%+15.9pp | 82.4%+17.6pp | 80.7%+19.3pp |
| Annual return | 11.41% | 91.02%-79.6pp | 80.50%-69.1pp | 172.34%-160.9pp |
| Employer contribution / active EE | $12,312 | $4,890+151.8% | $4,624+166.2% | $4,379+181.2% |
| Participant deferral / active EE | $16,707 | $8,341+100.3% | $8,004+108.7% | $6,730+148.2% |
| Admin fee / account holder | $33,135 | $15,759+110.3% | $14,398+130.1% | $14,365+130.7% |