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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 | $161,267 | $175,231-8.0% | $149,696+7.7% | $139,466+15.6% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 10.03% | 166.77%-156.7pp | 134.46%-124.4pp | 373.66%-363.6pp |
| Employer contribution / active EE | $23,013 | $5,478+320.1% | $4,821+377.4% | $4,754+384.1% |
| Participant deferral / active EE | $11,340 | $6,521+73.9% | $5,682+99.6% | $6,712+68.9% |
| Admin fee / account holder | $31,387 | $16,155+94.3% | $13,212+137.6% | $11,409+175.1% |