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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 | $157,001 | $166,131-5.5% | $164,975-4.8% | $145,877+7.6% |
| Participation rate | 88.9% | 82.0%+6.9pp | 78.6%+10.3pp | 80.3%+8.6pp |
| Annual return | 8.01% | 100.37%-92.4pp | 70.12%-62.1pp | 551.28%-543.3pp |
| Employer contribution / active EE | $1,305 | $5,276-75.3% | $4,343-70.0% | $4,663-72.0% |
| Participant deferral / active EE | $5,149 | $6,962-26.0% | $6,033-14.7% | $6,691-23.0% |
| Admin fee / account holder | $18,202 | $16,648+9.3% | $12,688+43.5% | $13,402+35.8% |