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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 | $145,001 | $165,399-12.3% | $149,745-3.2% | $158,982-8.8% |
| Participation rate | 92.3% | 84.6%+7.7pp | 82.5%+9.8pp | 82.0%+10.3pp |
| Annual return | 3.33% | 348.34%-345.0pp | 276.72%-273.4pp | 302.99%-299.7pp |
| Employer contribution / active EE | $15,924 | $5,105+212.0% | $4,646+242.8% | $4,763+234.3% |
| Participant deferral / active EE | $12,879 | $7,183+79.3% | $6,843+88.2% | $5,983+115.2% |
| Admin fee / account holder | $8,048 | $10,811-25.6% | $9,312-13.6% | $11,252-28.5% |