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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 | $132,636 | $202,342-34.4% | $172,753-23.2% | $152,909-13.3% |
| Participation rate | 86.4% | 87.1%-0.7pp | 82.6%+3.7pp | 82.5%+3.9pp |
| Annual return | 10.57% | 1029.88%-1019.3pp | 803.00%-792.4pp | 345.46%-334.9pp |
| Employer contribution / active EE | $5,782 | $5,857-1.3% | $5,144+12.4% | $4,764+21.4% |
| Participant deferral / active EE | $5,236 | $5,948-12.0% | $5,198+0.7% | $5,851-10.5% |
| Admin fee / account holder | $1,817 | $17,112-89.4% | $13,956-87.0% | $11,601-84.3% |