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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 | $186,414 | $160,040+16.5% | $147,096+26.7% | $145,877+27.8% |
| Participation rate | 92.9% | 84.0%+8.8pp | 82.2%+10.7pp | 80.3%+12.6pp |
| Annual return | 7.33% | 98.49%-91.2pp | 419.75%-412.4pp | 551.28%-544.0pp |
| Employer contribution / active EE | $5,202 | $5,289-1.6% | $4,936+5.4% | $4,663+11.6% |
| Participant deferral / active EE | $6,451 | $8,429-23.5% | $8,071-20.1% | $6,691-3.6% |
| Admin fee / account holder | $1,848 | $15,050-87.7% | $13,005-85.8% | $13,402-86.2% |