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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 | $208,723 | $209,422-0.3% | $178,503+16.9% | $158,982+31.3% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 2.89% | 188.81%-185.9pp | 151.12%-148.2pp | 302.99%-300.1pp |
| Employer contribution / active EE | $3,308 | $5,707-42.0% | $5,011-34.0% | $4,763-30.5% |
| Participant deferral / active EE | $6,633 | $5,955+11.4% | $5,202+27.5% | $5,983+10.8% |
| Admin fee / account holder | $10,883 | $17,079-36.3% | $13,987-22.2% | $11,252-3.3% |