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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 | $187,834 | $165,399+13.6% | $149,745+25.4% | $158,982+18.1% |
| Participation rate | 80.0% | 84.6%-4.6pp | 82.5%-2.5pp | 82.0%-2.0pp |
| Annual return | 8.08% | 348.34%-340.3pp | 276.72%-268.6pp | 302.99%-294.9pp |
| Employer contribution / active EE | $4,047 | $5,105-20.7% | $4,646-12.9% | $4,763-15.0% |
| Participant deferral / active EE | $11,098 | $7,183+54.5% | $6,843+62.2% | $5,983+85.5% |
| Admin fee / account holder | $14,785 | $10,811+36.8% | $9,312+58.8% | $11,252+31.4% |