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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 | $78,506 | $198,457-60.4% | $170,435-53.9% | $147,586-46.8% |
| Participation rate | 100.0% | 88.0%+12.0pp | 83.6%+16.4pp | 82.8%+17.2pp |
| Annual return | 8.27% | 257.30%-249.0pp | 205.94%-197.7pp | 578.59%-570.3pp |
| Employer contribution / active EE | $5,125 | $6,183-17.1% | $5,432-5.7% | $4,876+5.1% |
| Participant deferral / active EE | $7,643 | $5,629+35.8% | $4,939+54.7% | $5,439+40.5% |
| Admin fee / account holder | $921 | $16,852-94.5% | $13,881-93.4% | $10,886-91.5% |