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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 | $149,408 | $108,911+37.2% | $100,392+48.8% | $145,884+2.4% |
| Participation rate | 100.0% | 83.0%+17.0pp | 81.5%+18.5pp | 80.3%+19.7pp |
| Annual return | 7.15% | 58.23%-51.1pp | 49.45%-42.3pp | 551.85%-544.7pp |
| Employer contribution / active EE | $15,002 | $4,420+239.4% | $3,941+280.6% | $4,662+221.8% |
| Participant deferral / active EE | $7,668 | $8,459-9.3% | $8,090-5.2% | $6,690+14.6% |
| Admin fee / account holder | $2,139 | $9,698-77.9% | $7,904-72.9% | $13,392-84.0% |