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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 | $231,073 | $197,637+16.9% | $177,848+29.9% | $158,982+45.3% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.7%+12.3pp | 82.0%+18.0pp |
| Annual return | 3.59% | 58.77%-55.2pp | 48.33%-44.7pp | 302.99%-299.4pp |
| Employer contribution / active EE | $11,212 | $6,698+67.4% | $5,919+89.4% | $4,763+135.4% |
| Participant deferral / active EE | $10,041 | $8,405+19.5% | $7,714+30.2% | $5,983+67.8% |
| Admin fee / account holder | $67,117 | $15,406+335.7% | $12,431+439.9% | $11,252+496.5% |