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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 | $241,560 | $160,040+50.9% | $147,096+64.2% | $145,877+65.6% |
| Participation rate | 83.3% | 84.0%-0.7pp | 82.2%+1.2pp | 80.3%+3.0pp |
| Annual return | 9.32% | 98.49%-89.2pp | 419.75%-410.4pp | 551.28%-542.0pp |
| Employer contribution / active EE | $5,054 | $5,289-4.5% | $4,936+2.4% | $4,663+8.4% |
| Participant deferral / active EE | $14,165 | $8,429+68.1% | $8,071+75.5% | $6,691+111.7% |
| Admin fee / account holder | $100,000 | $15,050+564.5% | $13,005+668.9% | $13,402+646.1% |