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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 | $177,398 | $185,905-4.6% | $170,057+4.3% | $139,487+27.2% |
| Participation rate | 100.0% | 87.8%+12.2pp | 87.0%+13.0pp | 80.3%+19.7pp |
| Annual return | 6.45% | 60.56%-54.1pp | 53.42%-47.0pp | 373.84%-367.4pp |
| Employer contribution / active EE | $16,963 | $7,597+123.3% | $6,790+149.8% | $4,755+256.8% |
| Participant deferral / active EE | $6,475 | $11,627-44.3% | $10,411-37.8% | $6,713-3.5% |
| Admin fee / account holder | $8,500 | $15,397-44.8% | $12,826-33.7% | $11,407-25.5% |