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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 | $159,978+16.5% | $147,041+26.8% | $145,978+27.7% |
| Participation rate | 92.9% | 84.0%+8.9pp | 82.2%+10.7pp | 80.3%+12.6pp |
| Annual return | 7.33% | 98.36%-91.0pp | 419.21%-411.9pp | 550.52%-543.2pp |
| Employer contribution / active EE | $5,202 | $5,288-1.6% | $4,935+5.4% | $4,662+11.6% |
| Participant deferral / active EE | $6,451 | $8,429-23.5% | $8,071-20.1% | $6,690-3.6% |
| Admin fee / account holder | $1,848 | $15,053-87.7% | $13,006-85.8% | $13,400-86.2% |