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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 | $191,498 | $165,351+15.8% | $149,710+27.9% | $158,931+20.5% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 7.61% | 348.19%-340.6pp | 276.63%-269.0pp | 302.86%-295.3pp |
| Employer contribution / active EE | $6,954 | $5,103+36.3% | $4,645+49.7% | $4,761+46.0% |
| Participant deferral / active EE | $7,667 | $7,181+6.8% | $6,842+12.1% | $5,982+28.2% |
| Admin fee / account holder | $8,797 | $10,807-18.6% | $9,309-5.5% | $11,247-21.8% |