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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 | $176,672 | $160,070+10.4% | $147,117+20.1% | $145,897+21.1% |
| Participation rate | 88.9% | 84.0%+4.9pp | 82.2%+6.7pp | 80.3%+8.6pp |
| Annual return | 3.06% | 98.69%-95.6pp | 420.54%-417.5pp | 552.29%-549.2pp |
| Employer contribution / active EE | $14,831 | $5,285+180.7% | $4,932+200.7% | $4,663+218.1% |
| Participant deferral / active EE | $6,392 | $8,419-24.1% | $8,065-20.7% | $6,689-4.4% |
| Admin fee / account holder | $2,046 | $15,035-86.4% | $12,993-84.3% | $13,390-84.7% |