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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 | $201,942 | $202,342-0.2% | $172,753+16.9% | $152,909+32.1% |
| Participation rate | 93.3% | 87.1%+6.3pp | 82.6%+10.7pp | 82.5%+10.9pp |
| Annual return | 12.29% | 1029.88%-1017.6pp | 803.00%-790.7pp | 345.46%-333.2pp |
| Employer contribution / active EE | $4,464 | $5,857-23.8% | $5,144-13.2% | $4,764-6.3% |
| Participant deferral / active EE | $7,053 | $5,948+18.6% | $5,198+35.7% | $5,851+20.5% |
| Admin fee / account holder | $880 | $17,112-94.9% | $13,956-93.7% | $11,601-92.4% |