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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 | $160,028+50.9% | $147,080+64.2% | $145,884+65.6% |
| Participation rate | 83.3% | 84.0%-0.7pp | 82.2%+1.2pp | 80.3%+3.0pp |
| Annual return | 9.32% | 98.60%-89.3pp | 420.17%-410.8pp | 551.85%-542.5pp |
| Employer contribution / active EE | $5,054 | $5,286-4.4% | $4,933+2.4% | $4,662+8.4% |
| Participant deferral / active EE | $14,165 | $8,422+68.2% | $8,066+75.6% | $6,690+111.8% |
| Admin fee / account holder | $100,000 | $15,030+565.3% | $12,989+669.9% | $13,392+646.7% |