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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 | $235,246 | $209,874+12.1% | $189,537+24.1% | $167,536+40.4% |
| Participation rate | 100.0% | 88.7%+11.3pp | 87.8%+12.2pp | 82.1%+17.9pp |
| Annual return | 5.29% | 748.61%-743.3pp | 555.34%-550.0pp | 478.82%-473.5pp |
| Employer contribution / active EE | $15,153 | $6,913+119.2% | $6,161+146.0% | $4,839+213.1% |
| Participant deferral / active EE | $15,771 | $8,934+76.5% | $8,220+91.9% | $6,342+148.7% |
| Admin fee / account holder | $837 | $14,299-94.1% | $12,048-93.1% | $12,315-93.2% |