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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 | $197,400 | $198,457-0.5% | $170,435+15.8% | $147,586+33.8% |
| Participation rate | 100.0% | 88.0%+12.0pp | 83.6%+16.4pp | 82.8%+17.2pp |
| Annual return | 8.12% | 257.30%-249.2pp | 205.94%-197.8pp | 578.59%-570.5pp |
| Employer contribution / active EE | $11,126 | $6,183+79.9% | $5,432+104.8% | $4,876+128.2% |
| Participant deferral / active EE | $5,307 | $5,629-5.7% | $4,939+7.4% | $5,439-2.4% |
| Admin fee / account holder | $4,385 | $16,852-74.0% | $13,881-68.4% | $10,886-59.7% |