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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 | $166,131+16.4% | $164,975+17.2% | $145,877+32.5% |
| Participation rate | 80.0% | 82.0%-2.0pp | 78.6%+1.4pp | 80.3%-0.3pp |
| Annual return | 7.68% | 100.37%-92.7pp | 70.12%-62.4pp | 551.28%-543.6pp |
| Employer contribution / active EE | $9,541 | $5,276+80.9% | $4,343+119.7% | $4,663+104.6% |
| Participant deferral / active EE | $5,028 | $6,962-27.8% | $6,033-16.7% | $6,691-24.9% |
| Admin fee / account holder | $28,933 | $16,648+73.8% | $12,688+128.0% | $13,402+115.9% |