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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 | $117,736 | $165,381-28.8% | $149,730-21.4% | $158,966-25.9% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 6.29% | 348.29%-342.0pp | 276.70%-270.4pp | 302.95%-296.7pp |
| Employer contribution / active EE | $5,842 | $5,104+14.5% | $4,645+25.8% | $4,762+22.7% |
| Participant deferral / active EE | $5,245 | $7,182-27.0% | $6,843-23.3% | $5,983-12.3% |
| Admin fee / account holder | $10,080 | $10,809-6.7% | $9,310+8.3% | $11,250-10.4% |