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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 | $117,257 | $156,398-25.0% | $147,318-20.4% | $138,895-15.6% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 79.9%+20.1pp |
| Annual return | 10.76% | 78.75%-68.0pp | 70.43%-59.7pp | 145.39%-134.6pp |
| Employer contribution / active EE | $20,089 | $4,853+313.9% | $4,593+337.4% | $4,194+379.0% |
| Participant deferral / active EE | $24,458 | $8,237+196.9% | $7,906+209.3% | $6,396+282.4% |
| Admin fee / account holder | $29,248 | $14,976+95.3% | $13,708+113.4% | $12,562+132.8% |