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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 | $191,967 | $165,399+16.1% | $149,745+28.2% | $158,982+20.7% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 4.85% | 348.34%-343.5pp | 276.72%-271.9pp | 302.99%-298.1pp |
| Employer contribution / active EE | $12,506 | $5,105+145.0% | $4,646+169.2% | $4,763+162.6% |
| Participant deferral / active EE | $7,452 | $7,183+3.7% | $6,843+8.9% | $5,983+24.5% |
| Admin fee / account holder | $12,018 | $10,811+11.2% | $9,312+29.1% | $11,252+6.8% |