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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 | $159,934+4.3% | $147,005+13.4% | $145,959+14.3% |
| Participation rate | 94.1% | 84.0%+10.1pp | 82.2%+12.0pp | 80.3%+13.8pp |
| Annual return | 9.24% | 98.24%-89.0pp | 418.76%-409.5pp | 561.95%-552.7pp |
| Employer contribution / active EE | $11,265 | $5,287+113.1% | $4,934+128.3% | $4,661+141.7% |
| Participant deferral / active EE | $6,725 | $8,427-20.2% | $8,070-16.7% | $6,689+0.5% |
| Admin fee / account holder | $3,217 | $15,053-78.6% | $13,006-75.3% | $13,398-76.0% |