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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 | $174,574 | $198,462-12.0% | $170,439+2.4% | $147,585+18.3% |
| Participation rate | 100.0% | 88.0%+12.0pp | 83.6%+16.4pp | 82.8%+17.2pp |
| Annual return | 6.83% | 257.30%-250.5pp | 205.94%-199.1pp | 578.58%-571.8pp |
| Employer contribution / active EE | $6,770 | $6,184+9.5% | $5,433+24.6% | $4,876+38.8% |
| Participant deferral / active EE | $11,930 | $5,629+111.9% | $4,939+141.5% | $5,439+119.3% |
| Admin fee / account holder | $679 | $16,852-96.0% | $13,881-95.1% | $10,886-93.8% |