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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 | $166,544 | $167,030-0.3% | $135,768+22.7% | $155,188+7.3% |
| Participation rate | 77.8% | 76.2%+1.6pp | 71.1%+6.7pp | 80.8%-3.0pp |
| Annual return | 4.49% | 678.39%-673.9pp | 526.10%-521.6pp | 148.84%-144.3pp |
| Employer contribution / active EE | $1,851 | $4,132-55.2% | $3,394-45.5% | $4,248-56.4% |
| Participant deferral / active EE | $5,489 | $4,528+21.2% | $3,977+38.0% | $6,531-16.0% |
| Admin fee / account holder | $2,260 | $8,172-72.3% | $7,048-67.9% | $14,480-84.4% |