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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 | $154,228+23.9% | $145,433+31.4% | $137,256+39.2% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 11.41% | 74.59%-63.2pp | 66.58%-55.2pp | 220.34%-208.9pp |
| Employer contribution / active EE | $12,312 | $4,804+156.3% | $4,554+170.3% | $4,156+196.2% |
| Participant deferral / active EE | $16,707 | $8,216+103.3% | $7,897+111.5% | $6,407+160.8% |
| Admin fee / account holder | $33,135 | $14,344+131.0% | $13,129+152.4% | $12,270+170.0% |