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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 | $171,945 | $165,399+4.0% | $149,745+14.8% | $158,982+8.2% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 4.47% | 348.34%-343.9pp | 276.72%-272.3pp | 302.99%-298.5pp |
| Employer contribution / active EE | $3,004 | $5,105-41.2% | $4,646-35.3% | $4,763-36.9% |
| Participant deferral / active EE | $7,802 | $7,183+8.6% | $6,843+14.0% | $5,983+30.4% |
| Admin fee / account holder | $1,165 | $10,811-89.2% | $9,312-87.5% | $11,252-89.6% |