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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 | $145,142 | $176,120-17.6% | $159,487-9.0% | $167,553-13.4% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 8.16% | 331.95%-323.8pp | 263.71%-255.5pp | 478.89%-470.7pp |
| Employer contribution / active EE | $5,524 | $5,299+4.2% | $4,831+14.3% | $4,840+14.1% |
| Participant deferral / active EE | $4,760 | $7,752-38.6% | $7,354-35.3% | $6,343-25.0% |
| Admin fee / account holder | $12,670 | $12,561+0.9% | $10,804+17.3% | $12,316+2.9% |