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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 | $237,743 | $196,972+20.7% | $182,262+30.4% | $198,609+19.7% |
| Participation rate | 100.0% | 85.7%+14.3pp | 84.2%+15.8pp | 82.4%+17.6pp |
| Annual return | 3.99% | 158.27%-154.3pp | 140.60%-136.6pp | 202.70%-198.7pp |
| Employer contribution / active EE | $5,615 | $5,364+4.7% | $5,046+11.3% | $5,055+11.1% |
| Participant deferral / active EE | $19,722 | $8,643+128.2% | $8,276+138.3% | $6,977+182.7% |
| Admin fee / account holder | $8,644 | $18,429-53.1% | $16,712-48.3% | $19,030-54.6% |