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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 | $160,070+50.9% | $147,117+64.2% | $145,897+65.6% |
| Participation rate | 83.3% | 84.0%-0.7pp | 82.2%+1.1pp | 80.3%+3.0pp |
| Annual return | 9.32% | 98.69%-89.4pp | 420.54%-411.2pp | 552.29%-543.0pp |
| Employer contribution / active EE | $5,054 | $5,285-4.4% | $4,932+2.5% | $4,663+8.4% |
| Participant deferral / active EE | $14,165 | $8,419+68.2% | $8,065+75.6% | $6,689+111.8% |
| Admin fee / account holder | $100,000 | $15,035+565.1% | $12,993+669.7% | $13,390+646.8% |