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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 | $162,136+46.6% | $152,301+56.1% | $154,746+53.6% |
| Participation rate | 100.0% | 84.1%+15.9pp | 82.4%+17.6pp | 80.7%+19.3pp |
| Annual return | 3.99% | 91.02%-87.0pp | 80.50%-76.5pp | 172.34%-168.3pp |
| Employer contribution / active EE | $5,615 | $4,890+14.8% | $4,624+21.4% | $4,379+28.2% |
| Participant deferral / active EE | $19,722 | $8,341+136.5% | $8,004+146.4% | $6,730+193.0% |
| Admin fee / account holder | $8,644 | $15,759-45.2% | $14,398-40.0% | $14,365-39.8% |