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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 | $123,205 | $198,457-37.9% | $170,435-27.7% | $147,586-16.5% |
| Participation rate | 100.0% | 88.0%+12.0pp | 83.6%+16.4pp | 82.8%+17.2pp |
| Annual return | 5.41% | 257.30%-251.9pp | 205.94%-200.5pp | 578.59%-573.2pp |
| Employer contribution / active EE | $7,928 | $6,183+28.2% | $5,432+45.9% | $4,876+62.6% |
| Participant deferral / active EE | $5,607 | $5,629-0.4% | $4,939+13.5% | $5,439+3.1% |
| Admin fee / account holder | $10,095 | $16,852-40.1% | $13,881-27.3% | $10,886-7.3% |