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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 | $221,990 | $209,847+5.8% | $189,520+17.1% | $167,518+32.5% |
| Participation rate | 100.0% | 88.7%+11.3pp | 87.8%+12.2pp | 82.1%+17.9pp |
| Annual return | 7.84% | 748.45%-740.6pp | 555.25%-547.4pp | 478.71%-470.9pp |
| Employer contribution / active EE | $3,140 | $6,913-54.6% | $6,161-49.0% | $4,838-35.1% |
| Participant deferral / active EE | $18,024 | $8,934+101.7% | $8,220+119.3% | $6,342+184.2% |
| Admin fee / account holder | $949 | $14,295-93.4% | $12,046-92.1% | $12,312-92.3% |