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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 | $198,174 | $217,432-8.9% | $185,849+6.6% | $167,536+18.3% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 3.37% | 148.42%-145.0pp | 122.10%-118.7pp | 478.82%-475.4pp |
| Employer contribution / active EE | $6,940 | $5,875+18.1% | $5,169+34.3% | $4,839+43.4% |
| Participant deferral / active EE | $10,027 | $6,357+57.7% | $5,569+80.1% | $6,342+58.1% |
| Admin fee / account holder | $957 | $19,818-95.2% | $16,244-94.1% | $12,315-92.2% |