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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 | $128,656 | $160,070-19.6% | $147,117-12.5% | $145,897-11.8% |
| Participation rate | 94.4% | 84.0%+10.4pp | 82.2%+12.3pp | 80.3%+14.1pp |
| Annual return | 7.92% | 98.69%-90.8pp | 420.54%-412.6pp | 552.29%-544.4pp |
| Employer contribution / active EE | $6,760 | $5,285+27.9% | $4,932+37.1% | $4,663+45.0% |
| Participant deferral / active EE | $9,708 | $8,419+15.3% | $8,065+20.4% | $6,689+45.1% |
| Admin fee / account holder | $3,390 | $15,035-77.5% | $12,993-73.9% | $13,390-74.7% |