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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 | $209,791 | $209,336+0.2% | $197,124+6.4% | $137,256+52.8% |
| Participation rate | 100.0% | 87.3%+12.7pp | 86.7%+13.3pp | 80.0%+20.0pp |
| Annual return | 4.11% | 48.09%-44.0pp | 44.34%-40.2pp | 220.34%-216.2pp |
| Employer contribution / active EE | $6,525 | $6,591-1.0% | $6,227+4.8% | $4,156+57.0% |
| Participant deferral / active EE | $17,991 | $9,614+87.1% | $9,135+97.0% | $6,407+180.8% |
| Admin fee / account holder | $464,490 | $17,308+2583.7% | $16,298+2750.0% | $12,270+3685.5% |