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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 | $172,837 | $176,105-1.9% | $159,474+8.4% | $167,536+3.2% |
| Participation rate | 85.7% | 85.0%+0.8pp | 82.8%+2.9pp | 82.1%+3.6pp |
| Annual return | 7.04% | 331.91%-324.9pp | 263.68%-256.6pp | 478.82%-471.8pp |
| Employer contribution / active EE | $12,987 | $5,299+145.1% | $4,831+168.8% | $4,839+168.4% |
| Participant deferral / active EE | $12,319 | $7,751+58.9% | $7,353+67.5% | $6,342+94.2% |
| Admin fee / account holder | $98,603 | $12,559+685.1% | $10,802+812.8% | $12,315+700.7% |