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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 | $159,934+16.6% | $147,005+26.8% | $145,959+27.7% |
| Participation rate | 92.9% | 84.0%+8.9pp | 82.2%+10.7pp | 80.3%+12.6pp |
| Annual return | 7.33% | 98.24%-90.9pp | 418.76%-411.4pp | 561.95%-554.6pp |
| Employer contribution / active EE | $5,202 | $5,287-1.6% | $4,934+5.4% | $4,661+11.6% |
| Participant deferral / active EE | $6,451 | $8,427-23.5% | $8,070-20.1% | $6,689-3.6% |
| Admin fee / account holder | $1,848 | $15,053-87.7% | $13,006-85.8% | $13,398-86.2% |