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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 | $160,040-4.6% | $147,096+3.8% | $145,877+4.7% |
| Participation rate | 87.5% | 84.0%+3.5pp | 82.2%+5.3pp | 80.3%+7.2pp |
| Annual return | 8.68% | 98.49%-89.8pp | 419.75%-411.1pp | 551.28%-542.6pp |
| Employer contribution / active EE | $3,645 | $5,289-31.1% | $4,936-26.2% | $4,663-21.8% |
| Participant deferral / active EE | $11,417 | $8,429+35.5% | $8,071+41.5% | $6,691+70.6% |
| Admin fee / account holder | $9,649 | $15,050-35.9% | $13,005-25.8% | $13,402-28.0% |