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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 | $193,347 | $166,268+16.3% | $165,100+17.1% | $145,897+32.5% |
| Participation rate | 80.0% | 82.0%-2.0pp | 78.6%+1.4pp | 80.3%-0.3pp |
| Annual return | 7.68% | 100.52%-92.8pp | 70.21%-62.5pp | 552.29%-544.6pp |
| Employer contribution / active EE | $9,541 | $5,284+80.6% | $4,348+119.4% | $4,663+104.6% |
| Participant deferral / active EE | $5,028 | $6,964-27.8% | $6,035-16.7% | $6,689-24.8% |
| Admin fee / account holder | $28,933 | $16,659+73.7% | $12,696+127.9% | $13,390+116.1% |