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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 | $229,069 | $172,111+33.1% | $150,298+52.4% | $137,256+66.9% |
| Participation rate | 100.0% | 81.7%+18.3pp | 77.8%+22.2pp | 80.0%+20.0pp |
| Annual return | 10.42% | 69.37%-59.0pp | 62.79%-52.4pp | 220.34%-209.9pp |
| Employer contribution / active EE | $14,686 | $4,636+216.8% | $4,154+253.5% | $4,156+253.4% |
| Participant deferral / active EE | $10,732 | $6,166+74.1% | $5,453+96.8% | $6,407+67.5% |
| Admin fee / account holder | $6,330 | $16,471-61.6% | $14,116-55.2% | $12,270-48.4% |