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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 | $169,480 | $202,342-16.2% | $172,752-1.9% | $152,897+10.8% |
| Participation rate | 75.0% | 87.1%-12.1pp | 82.6%-7.6pp | 82.5%-7.5pp |
| Annual return | 8.93% | 1029.83%-1020.9pp | 802.97%-794.0pp | 345.43%-336.5pp |
| Employer contribution / active EE | $16,285 | $5,858+178.0% | $5,144+216.6% | $4,764+241.9% |
| Participant deferral / active EE | $6,455 | $5,948+8.5% | $5,198+24.2% | $5,851+10.3% |
| Admin fee / account holder | $2,592 | $17,111-84.8% | $13,955-81.4% | $11,599-77.7% |