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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 | $220,071 | $121,701+80.8% | $104,639+110.3% | $158,982+38.4% |
| Participation rate | 100.0% | 77.5%+22.5pp | 74.1%+25.9pp | 82.0%+18.0pp |
| Annual return | -0.44% | 465.72%-466.2pp | 340.67%-341.1pp | 302.99%-303.4pp |
| Employer contribution / active EE | $4,207 | $3,165+32.9% | $2,682+56.9% | $4,763-11.7% |
| Participant deferral / active EE | $14,041 | $4,176+236.2% | $3,738+275.6% | $5,983+134.7% |
| Admin fee / account holder | $9,761 | $7,778+25.5% | $6,465+51.0% | $11,252-13.2% |