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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 | $239,907 | $165,399+45.0% | $149,745+60.2% | $158,982+50.9% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 7.63% | 348.34%-340.7pp | 276.72%-269.1pp | 302.99%-295.4pp |
| Employer contribution / active EE | $3,702 | $5,105-27.5% | $4,646-20.3% | $4,763-22.3% |
| Participant deferral / active EE | $5,197 | $7,183-27.7% | $6,843-24.1% | $5,983-13.2% |
| Admin fee / account holder | $1,199 | $10,811-88.9% | $9,312-87.1% | $11,252-89.3% |