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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 | $121,472 | $112,121+8.3% | $95,960+26.6% | $158,966-23.6% |
| Participation rate | 88.9% | 79.0%+9.9pp | 77.1%+11.8pp | 82.0%+6.9pp |
| Annual return | 5.31% | 171.16%-165.9pp | 91.63%-86.3pp | 302.95%-297.6pp |
| Employer contribution / active EE | $5,865 | $3,199+83.3% | $2,541+130.8% | $4,762+23.1% |
| Participant deferral / active EE | $3,462 | $4,784-27.6% | $4,167-16.9% | $5,983-42.1% |
| Admin fee / account holder | $5,599 | $10,135-44.8% | $6,797-17.6% | $11,250-50.2% |