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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 | $155,188 | $159,978-3.0% | $147,041+5.5% | $145,978+6.3% |
| Participation rate | 77.8% | 84.0%-6.2pp | 82.2%-4.4pp | 80.3%-2.5pp |
| Annual return | 8.01% | 98.36%-90.4pp | 419.21%-411.2pp | 550.52%-542.5pp |
| Employer contribution / active EE | $2,306 | $5,288-56.4% | $4,935-53.3% | $4,662-50.5% |
| Participant deferral / active EE | $8,585 | $8,429+1.9% | $8,071+6.4% | $6,690+28.3% |
| Admin fee / account holder | $1,626 | $15,053-89.2% | $13,006-87.5% | $13,400-87.9% |