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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 | $188,412 | $183,539+2.7% | $155,556+21.1% | $145,897+29.1% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 7.41% | 61.31%-53.9pp | 64.84%-57.4pp | 552.29%-544.9pp |
| Employer contribution / active EE | $6,053 | $5,315+13.9% | $4,675+29.5% | $4,663+29.8% |
| Participant deferral / active EE | $5,121 | $6,467-20.8% | $5,631-9.1% | $6,689-23.4% |
| Admin fee / account holder | $1,300 | $19,275-93.3% | $15,885-91.8% | $13,390-90.3% |