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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 | $168,461 | $148,558+13.4% | $135,925+23.9% | $139,427+20.8% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 9.89% | 79.22%-69.3pp | 68.25%-58.4pp | 373.27%-363.4pp |
| Employer contribution / active EE | $19,211 | $5,244+266.3% | $4,857+295.5% | $4,752+304.3% |
| Participant deferral / active EE | $11,829 | $8,101+46.0% | $7,759+52.5% | $6,711+76.3% |
| Admin fee / account holder | $80,792 | $12,401+551.5% | $10,764+650.6% | $11,404+608.4% |