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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 | $226,875 | $165,399+37.2% | $149,745+51.5% | $158,982+42.7% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 5.27% | 348.34%-343.1pp | 276.72%-271.5pp | 302.99%-297.7pp |
| Employer contribution / active EE | $9,428 | $5,105+84.7% | $4,646+102.9% | $4,763+97.9% |
| Participant deferral / active EE | $6,344 | $7,183-11.7% | $6,843-7.3% | $5,983+6.0% |
| Admin fee / account holder | $1,812 | $10,811-83.2% | $9,312-80.5% | $11,252-83.9% |