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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 | $152,704 | $159,934-4.5% | $147,005+3.9% | $145,959+4.6% |
| Participation rate | 87.5% | 84.0%+3.5pp | 82.2%+5.3pp | 80.3%+7.2pp |
| Annual return | 8.68% | 98.24%-89.6pp | 418.76%-410.1pp | 561.95%-553.3pp |
| Employer contribution / active EE | $3,645 | $5,287-31.1% | $4,934-26.1% | $4,661-21.8% |
| Participant deferral / active EE | $11,417 | $8,427+35.5% | $8,070+41.5% | $6,689+70.7% |
| Admin fee / account holder | $9,649 | $15,053-35.9% | $13,006-25.8% | $13,398-28.0% |