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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 | $146,274 | $159,978-8.6% | $147,041-0.5% | $145,978+0.2% |
| Participation rate | 85.7% | 84.0%+1.7pp | 82.2%+3.5pp | 80.3%+5.4pp |
| Annual return | 8.39% | 98.36%-90.0pp | 419.21%-410.8pp | 550.52%-542.1pp |
| Employer contribution / active EE | $3,244 | $5,288-38.7% | $4,935-34.3% | $4,662-30.4% |
| Participant deferral / active EE | $7,564 | $8,429-10.3% | $8,071-6.3% | $6,690+13.1% |
| Admin fee / account holder | $34,539 | $15,053+129.4% | $13,006+165.6% | $13,400+157.7% |