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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 | $172,621 | $165,399+4.4% | $149,745+15.3% | $158,982+8.6% |
| Participation rate | 83.3% | 84.6%-1.2pp | 82.5%+0.9pp | 82.0%+1.4pp |
| Annual return | 1.50% | 348.34%-346.8pp | 276.72%-275.2pp | 302.99%-301.5pp |
| Employer contribution / active EE | $3,719 | $5,105-27.1% | $4,646-19.9% | $4,763-21.9% |
| Participant deferral / active EE | $7,699 | $7,183+7.2% | $6,843+12.5% | $5,983+28.7% |
| Admin fee / account holder | $1,148 | $10,811-89.4% | $9,312-87.7% | $11,252-89.8% |