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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 | $206,408 | $156,398+32.0% | $147,318+40.1% | $138,895+48.6% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 79.9%+20.1pp |
| Annual return | 8.59% | 78.75%-70.2pp | 70.43%-61.8pp | 145.39%-136.8pp |
| Employer contribution / active EE | $6,124 | $4,853+26.2% | $4,593+33.3% | $4,194+46.0% |
| Participant deferral / active EE | $20,665 | $8,237+150.9% | $7,906+161.4% | $6,396+223.1% |
| Admin fee / account holder | $31,209 | $14,976+108.4% | $13,708+127.7% | $12,562+148.4% |