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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 | $193,760 | $176,077+10.0% | $159,455+21.5% | $167,518+15.7% |
| Participation rate | 100.0% | 84.9%+15.1pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 6.59% | 331.83%-325.2pp | 263.63%-257.0pp | 478.71%-472.1pp |
| Employer contribution / active EE | $8,782 | $5,298+65.8% | $4,830+81.8% | $4,838+81.5% |
| Participant deferral / active EE | $7,253 | $7,751-6.4% | $7,353-1.4% | $6,342+14.4% |
| Admin fee / account holder | $7,472 | $12,556-40.5% | $10,800-30.8% | $12,312-39.3% |