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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 | $191,743 | $165,381+15.9% | $149,730+28.1% | $158,966+20.6% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 5.35% | 348.29%-342.9pp | 276.70%-271.3pp | 302.95%-297.6pp |
| Employer contribution / active EE | $4,779 | $5,104-6.4% | $4,645+2.9% | $4,762+0.3% |
| Participant deferral / active EE | $13,100 | $7,182+82.4% | $6,843+91.4% | $5,983+119.0% |
| Admin fee / account holder | $1,946 | $10,809-82.0% | $9,310-79.1% | $11,250-82.7% |