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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 | $166,769 | $160,070+4.2% | $147,117+13.4% | $145,897+14.3% |
| Participation rate | 94.1% | 84.0%+10.1pp | 82.2%+11.9pp | 80.3%+13.8pp |
| Annual return | 9.24% | 98.69%-89.4pp | 420.54%-411.3pp | 552.29%-543.0pp |
| Employer contribution / active EE | $11,265 | $5,285+113.2% | $4,932+128.4% | $4,663+141.6% |
| Participant deferral / active EE | $6,725 | $8,419-20.1% | $8,065-16.6% | $6,689+0.5% |
| Admin fee / account holder | $3,217 | $15,035-78.6% | $12,993-75.2% | $13,390-76.0% |