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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 | $195,792 | $174,379+12.3% | $152,093+28.7% | $138,895+41.0% |
| Participation rate | 100.0% | 81.6%+18.4pp | 77.8%+22.2pp | 79.9%+20.1pp |
| Annual return | 9.01% | 74.86%-65.8pp | 66.36%-57.3pp | 145.39%-136.4pp |
| Employer contribution / active EE | $13,530 | $4,652+190.8% | $4,175+224.1% | $4,194+222.6% |
| Participant deferral / active EE | $22,357 | $6,159+263.0% | $5,451+310.1% | $6,396+249.5% |
| Admin fee / account holder | $10,477 | $16,880-37.9% | $14,497-27.7% | $12,562-16.6% |