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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 | $163,532 | $165,399-1.1% | $149,745+9.2% | $158,982+2.9% |
| Participation rate | 83.3% | 84.6%-1.2pp | 82.5%+0.9pp | 82.0%+1.4pp |
| Annual return | 2.25% | 348.34%-346.1pp | 276.72%-274.5pp | 302.99%-300.7pp |
| Employer contribution / active EE | $3,659 | $5,105-28.3% | $4,646-21.2% | $4,763-23.2% |
| Participant deferral / active EE | $7,919 | $7,183+10.3% | $6,843+15.7% | $5,983+32.3% |
| Admin fee / account holder | $13,332 | $10,811+23.3% | $9,312+43.2% | $11,252+18.5% |