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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 | $199,785 | $202,342-1.3% | $172,753+15.6% | $152,909+30.7% |
| Participation rate | 75.0% | 87.1%-12.1pp | 82.6%-7.6pp | 82.5%-7.5pp |
| Annual return | 6.38% | 1029.88%-1023.5pp | 803.00%-796.6pp | 345.46%-339.1pp |
| Employer contribution / active EE | $5,968 | $5,857+1.9% | $5,144+16.0% | $4,764+25.3% |
| Participant deferral / active EE | $3,999 | $5,948-32.8% | $5,198-23.1% | $5,851-31.7% |
| Admin fee / account holder | $5,837 | $17,112-65.9% | $13,956-58.2% | $11,601-49.7% |