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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 | $189,456 | $183,592+3.2% | $155,574+21.8% | $145,877+29.9% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 8.56% | 61.37%-52.8pp | 64.87%-56.3pp | 551.28%-542.7pp |
| Employer contribution / active EE | $5,042 | $5,317-5.2% | $4,676+7.8% | $4,663+8.1% |
| Participant deferral / active EE | $10,472 | $6,466+62.0% | $5,629+86.0% | $6,691+56.5% |
| Admin fee / account holder | $2,438 | $19,316-87.4% | $15,914-84.7% | $13,402-81.8% |