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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 | $139,164 | $183,592-24.2% | $155,574-10.5% | $145,877-4.6% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 7.54% | 61.37%-53.8pp | 64.87%-57.3pp | 551.28%-543.7pp |
| Employer contribution / active EE | $8,023 | $5,317+50.9% | $4,676+71.6% | $4,663+72.1% |
| Participant deferral / active EE | $12,583 | $6,466+94.6% | $5,629+123.5% | $6,691+88.1% |
| Admin fee / account holder | $79,107 | $19,316+309.5% | $15,914+397.1% | $13,402+490.3% |