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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 | $196,620 | $209,422-6.1% | $178,503+10.1% | $158,982+23.7% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 5.53% | 188.81%-183.3pp | 151.12%-145.6pp | 302.99%-297.5pp |
| Employer contribution / active EE | $6,046 | $5,707+5.9% | $5,011+20.6% | $4,763+26.9% |
| Participant deferral / active EE | $6,255 | $5,955+5.0% | $5,202+20.2% | $5,983+4.5% |
| Admin fee / account holder | $1,149 | $17,079-93.3% | $13,987-91.8% | $11,252-89.8% |