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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 | $108,922+37.2% | $100,398+48.8% | $145,978+2.3% |
| Participation rate | 100.0% | 83.0%+17.0pp | 81.5%+18.5pp | 80.3%+19.7pp |
| Annual return | 7.15% | 58.04%-50.9pp | 49.32%-42.2pp | 550.52%-543.4pp |
| Employer contribution / active EE | $15,002 | $4,426+239.0% | $3,946+280.2% | $4,662+221.8% |
| Participant deferral / active EE | $7,668 | $8,450-9.3% | $8,084-5.1% | $6,690+14.6% |
| Admin fee / account holder | $2,139 | $9,680-77.9% | $7,893-72.9% | $13,400-84.0% |