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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 | $128,207 | $183,539-30.1% | $155,556-17.6% | $145,897-12.1% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 8.69% | 61.31%-52.6pp | 64.84%-56.1pp | 552.29%-543.6pp |
| Employer contribution / active EE | $19,845 | $5,315+273.4% | $4,675+324.4% | $4,663+325.6% |
| Participant deferral / active EE | $15,600 | $6,467+141.2% | $5,631+177.0% | $6,689+133.2% |
| Admin fee / account holder | $778 | $19,275-96.0% | $15,885-95.1% | $13,390-94.2% |