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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 | $134,518 | $111,535+20.6% | $105,223+27.8% | $137,256-2.0% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 10.00% | 237.85%-227.9pp | 180.65%-170.6pp | 220.34%-210.3pp |
| Employer contribution / active EE | $12,931 | $3,939+228.2% | $3,689+250.6% | $4,156+211.1% |
| Participant deferral / active EE | $1,763 | $5,500-67.9% | $5,072-65.2% | $6,407-72.5% |
| Admin fee / account holder | $1,012 | $9,721-89.6% | $8,859-88.6% | $12,270-91.8% |