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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 | $195,855 | $154,228+27.0% | $145,433+34.7% | $137,256+42.7% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 11.88% | 74.59%-62.7pp | 66.58%-54.7pp | 220.34%-208.5pp |
| Employer contribution / active EE | $7,443 | $4,804+54.9% | $4,554+63.4% | $4,156+79.1% |
| Participant deferral / active EE | $9,649 | $8,216+17.4% | $7,897+22.2% | $6,407+50.6% |
| Admin fee / account holder | $5,762 | $14,344-59.8% | $13,129-56.1% | $12,270-53.0% |