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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 | $163,539 | $183,516-10.9% | $155,534+5.1% | $145,884+12.1% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 7.92% | 61.43%-53.5pp | 64.92%-57.0pp | 551.85%-543.9pp |
| Employer contribution / active EE | $10,850 | $5,315+104.1% | $4,675+132.1% | $4,662+132.7% |
| Participant deferral / active EE | $15,691 | $6,467+142.6% | $5,630+178.7% | $6,690+134.6% |
| Admin fee / account holder | $1,013 | $19,293-94.7% | $15,900-93.6% | $13,392-92.4% |