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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 | $147,036 | $166,242-11.6% | $165,071-10.9% | $145,884+0.8% |
| Participation rate | 88.9% | 82.0%+6.9pp | 78.6%+10.3pp | 80.3%+8.6pp |
| Annual return | 8.31% | 100.44%-92.1pp | 70.17%-61.9pp | 551.85%-543.5pp |
| Employer contribution / active EE | $2,889 | $5,283-45.3% | $4,347-33.5% | $4,662-38.0% |
| Participant deferral / active EE | $3,547 | $6,964-49.1% | $6,035-41.2% | $6,690-47.0% |
| Admin fee / account holder | $5,446 | $16,658-67.3% | $12,695-57.1% | $13,392-59.3% |