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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 | $166,089+16.4% | $164,928+17.2% | $145,978+32.4% |
| Participation rate | 80.0% | 82.0%-2.0pp | 78.6%+1.4pp | 80.3%-0.3pp |
| Annual return | 7.68% | 100.26%-92.6pp | 70.08%-62.4pp | 550.52%-542.8pp |
| Employer contribution / active EE | $9,541 | $5,276+80.8% | $4,343+119.7% | $4,662+104.7% |
| Participant deferral / active EE | $5,028 | $6,961-27.8% | $6,034-16.7% | $6,690-24.8% |
| Admin fee / account holder | $28,933 | $16,641+73.9% | $12,684+128.1% | $13,400+115.9% |