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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 | $95,034 | $183,592-48.2% | $155,574-38.9% | $145,877-34.9% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 8.49% | 61.37%-52.9pp | 64.87%-56.4pp | 551.28%-542.8pp |
| Employer contribution / active EE | $6,332 | $5,317+19.1% | $4,676+35.4% | $4,663+35.8% |
| Participant deferral / active EE | $10,687 | $6,466+65.3% | $5,629+89.8% | $6,691+59.7% |
| Admin fee / account holder | $1,213 | $19,316-93.7% | $15,914-92.4% | $13,402-91.0% |