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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 | $172,104 | $165,399+4.1% | $149,745+14.9% | $158,982+8.3% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 5.43% | 348.34%-342.9pp | 276.72%-271.3pp | 302.99%-297.6pp |
| Employer contribution / active EE | $3,435 | $5,105-32.7% | $4,646-26.1% | $4,763-27.9% |
| Participant deferral / active EE | $10,367 | $7,183+44.3% | $6,843+51.5% | $5,983+73.3% |
| Admin fee / account holder | $24,747 | $10,811+128.9% | $9,312+165.8% | $11,252+119.9% |