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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 | $189,509 | $198,457-4.5% | $170,435+11.2% | $147,586+28.4% |
| Participation rate | 83.3% | 88.0%-4.6pp | 83.6%-0.3pp | 82.8%+0.5pp |
| Annual return | 8.18% | 257.30%-249.1pp | 205.94%-197.8pp | 578.59%-570.4pp |
| Employer contribution / active EE | $10,833 | $6,183+75.2% | $5,432+99.4% | $4,876+122.1% |
| Participant deferral / active EE | $4,017 | $5,629-28.6% | $4,939-18.7% | $5,439-26.1% |
| Admin fee / account holder | $1,246 | $16,852-92.6% | $13,881-91.0% | $10,886-88.6% |