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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 | $156,398+27.6% | $147,318+35.5% | $138,895+43.7% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 79.9%+20.1pp |
| Annual return | 11.32% | 78.75%-67.4pp | 70.43%-59.1pp | 145.39%-134.1pp |
| Employer contribution / active EE | $9,495 | $4,853+95.6% | $4,593+106.7% | $4,194+126.4% |
| Participant deferral / active EE | $14,717 | $8,237+78.7% | $7,906+86.1% | $6,396+130.1% |
| Admin fee / account holder | $1,427 | $14,976-90.5% | $13,708-89.6% | $12,562-88.6% |