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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 | $199,550 | $154,228+29.4% | $145,433+37.2% | $137,256+45.4% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 11.32% | 74.59%-63.3pp | 66.58%-55.3pp | 220.34%-209.0pp |
| Employer contribution / active EE | $9,495 | $4,804+97.7% | $4,554+108.5% | $4,156+128.5% |
| Participant deferral / active EE | $14,717 | $8,216+79.1% | $7,897+86.3% | $6,407+129.7% |
| Admin fee / account holder | $1,427 | $14,344-90.0% | $13,129-89.1% | $12,270-88.4% |