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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 | $173,102 | $168,635+2.6% | $147,617+17.3% | $125,389+38.1% |
| Participation rate | 85.7% | 88.8%-3.1pp | 84.6%+1.1pp | 83.2%+2.5pp |
| Annual return | -4.00% | 77.65%-81.7pp | 61.98%-66.0pp | 282.24%-286.2pp |
| Employer contribution / active EE | $3,690 | $6,252-41.0% | $5,564-33.7% | $4,866-24.2% |
| Participant deferral / active EE | $7,396 | $5,507+34.3% | $4,895+51.1% | $5,352+38.2% |
| Admin fee / account holder | $1,757 | $13,580-87.1% | $11,612-84.9% | $9,541-81.6% |