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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 | $147,025 | $176,105-16.5% | $159,474-7.8% | $167,536-12.2% |
| Participation rate | 88.9% | 85.0%+3.9pp | 82.8%+6.1pp | 82.1%+6.8pp |
| Annual return | 9.28% | 331.91%-322.6pp | 263.68%-254.4pp | 478.82%-469.5pp |
| Employer contribution / active EE | $1,385 | $5,299-73.9% | $4,831-71.3% | $4,839-71.4% |
| Participant deferral / active EE | $4,257 | $7,751-45.1% | $7,353-42.1% | $6,342-32.9% |
| Admin fee / account holder | $11,327 | $12,559-9.8% | $10,802+4.9% | $12,315-8.0% |