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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 | $229,607 | $217,432+5.6% | $185,849+23.5% | $167,536+37.0% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 5.07% | 148.42%-143.3pp | 122.10%-117.0pp | 478.82%-473.7pp |
| Employer contribution / active EE | $7,335 | $5,875+24.9% | $5,169+41.9% | $4,839+51.6% |
| Participant deferral / active EE | $8,314 | $6,357+30.8% | $5,569+49.3% | $6,342+31.1% |
| Admin fee / account holder | $8,555 | $19,818-56.8% | $16,244-47.3% | $12,315-30.5% |