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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 | $232,091 | $176,120+31.8% | $159,487+45.5% | $167,553+38.5% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 6.05% | 331.95%-325.9pp | 263.71%-257.7pp | 478.89%-472.8pp |
| Employer contribution / active EE | $3,510 | $5,299-33.8% | $4,831-27.4% | $4,840-27.5% |
| Participant deferral / active EE | $5,742 | $7,752-25.9% | $7,354-21.9% | $6,343-9.5% |
| Admin fee / account holder | $8,084 | $12,561-35.6% | $10,804-25.2% | $12,316-34.4% |