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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 | $245,738 | $202,342+21.4% | $172,753+42.2% | $152,909+60.7% |
| Participation rate | 100.0% | 87.1%+12.9pp | 82.6%+17.4pp | 82.5%+17.5pp |
| Annual return | 2.40% | 1029.88%-1027.5pp | 803.00%-800.6pp | 345.46%-343.1pp |
| Employer contribution / active EE | $12,025 | $5,857+105.3% | $5,144+133.8% | $4,764+152.4% |
| Participant deferral / active EE | $5,702 | $5,948-4.1% | $5,198+9.7% | $5,851-2.6% |
| Admin fee / account holder | $7,553 | $17,112-55.9% | $13,956-45.9% | $11,601-34.9% |