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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 | $146,621 | $111,535+31.5% | $105,223+39.3% | $137,256+6.8% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 10.74% | 237.85%-227.1pp | 180.65%-169.9pp | 220.34%-209.6pp |
| Employer contribution / active EE | $14,493 | $3,939+267.9% | $3,689+292.9% | $4,156+248.7% |
| Participant deferral / active EE | $15,250 | $5,500+177.3% | $5,072+200.7% | $6,407+138.0% |
| Admin fee / account holder | $1,174 | $9,721-87.9% | $8,859-86.7% | $12,270-90.4% |