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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 | $153,744 | $183,539-16.2% | $155,556-1.2% | $145,897+5.4% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 4.03% | 61.31%-57.3pp | 64.84%-60.8pp | 552.29%-548.3pp |
| Employer contribution / active EE | $9,571 | $5,315+80.1% | $4,675+104.7% | $4,663+105.3% |
| Participant deferral / active EE | $10,086 | $6,467+56.0% | $5,631+79.1% | $6,689+50.8% |
| Admin fee / account holder | $13,763 | $19,275-28.6% | $15,885-13.4% | $13,390+2.8% |