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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 | $157,265 | $134,817+16.7% | $123,973+26.9% | $155,188+1.3% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.7%+23.3pp | 80.8%+19.2pp |
| Annual return | 4.17% | 515.49%-511.3pp | 388.13%-384.0pp | 148.84%-144.7pp |
| Employer contribution / active EE | $21,063 | $4,425+376.0% | $4,126+410.5% | $4,248+395.8% |
| Participant deferral / active EE | $7,250 | $5,706+27.0% | $5,247+38.2% | $6,531+11.0% |
| Admin fee / account holder | $19,291 | $13,245+45.6% | $11,799+63.5% | $14,480+33.2% |