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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 | $191,190 | $99,053+93.0% | $88,179+116.8% | $138,895+37.7% |
| Participation rate | 82.4% | 74.2%+8.1pp | 69.1%+13.2pp | 79.9%+2.4pp |
| Annual return | -1.09% | 78.17%-79.3pp | 64.97%-66.1pp | 145.39%-146.5pp |
| Employer contribution / active EE | $1,938 | $2,882-32.8% | $2,549-24.0% | $4,194-53.8% |
| Participant deferral / active EE | $4,968 | $5,225-4.9% | $4,614+7.7% | $6,396-22.3% |
| Admin fee / account holder | $1,989 | $8,748-77.3% | $7,673-74.1% | $12,562-84.2% |