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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 | $165,361-12.3% | $149,715-3.1% | $158,950-8.8% |
| Participation rate | 92.3% | 84.6%+7.7pp | 82.5%+9.8pp | 82.0%+10.3pp |
| Annual return | 3.33% | 348.24%-344.9pp | 276.66%-273.3pp | 302.91%-299.6pp |
| Employer contribution / active EE | $15,924 | $5,103+212.0% | $4,645+242.8% | $4,762+234.4% |
| Participant deferral / active EE | $12,879 | $7,182+79.3% | $6,842+88.2% | $5,983+115.3% |
| Admin fee / account holder | $8,048 | $10,808-25.5% | $9,310-13.6% | $11,248-28.5% |